davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (NC)

I received a letter in the mail today, XX/XX/2020 from XXXX XXXX XXXX XXXX stating that " the records of Regions Bank show that your account has a past due balance of {$5500.00}. 

Creditor : Regions Bank Client Account # : XXXX XXXX Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} XXXX  Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of Regions Bank. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (KY)

I have 2 issues. Both would likely set off someone. But im being patient ... .but also really getting sick of this company. 1. I paid Carvana my taxes in XXXX on the car, then had to pay the taxes again to the state, when getting it titled. I was told a reimbursement was coming by Carvana back on XX/XX/XXXX. It took forever to get titled because I I expected theym to pay the taxes that I paid to them. I havent seen it and its been weeks since I initially spoke with a rep about this. Today a rep confirmed it has been sent. This is unacceptable... I've been overcharged basically by 1200 and they arent trying to fix it in a reasonable time. By the time the do finally mail a check ( which is not my prefered method ) I have to wait for it to get here, deposit it in some bank .... wait for it to clear and this is going to still take weeks. Meanwhile I have bills to pay. ) 2. I paid off the car in XXXX. Ive never received a release on the lien. I cant do anything with the car because they've had a lien on it for 4 months longer than the time I owed them money. No one seems to know what to do on their end. 

Carvana has tens of thousands of my money locked up basically over a check and a form and they aren't doing anything about it.
Consumer complaint received 2019-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was in a wreck in XXXX of 2016. The car I had through Capitol One Auto Finance was totaled out by the insurance company XXXX XXXX in XX/XX/2016 At the time I had full coverage through the company and gap insurance as well. Well the company settled XXXX leaving a balance of XXXX. Gap insurance sent over 2 checks XXXX and also XXXX. The total balance of the car owed XXXX. This left the account paid in full. Then 2-3 months later the XXXX XXXX XXXX started reaching out stating that I owe XXXX XXXX Ive been disputing with them for the last 4 years. They arent able to tell me exactly why XXXX is owed on the account when they originally gave the numbers to the insurance company of what was due. Now that Im paying close attention to my credit Ive been asking them to fixed the account they have refused to do so. Hopefully Im able to get some assistance this way. They have reported the account late and default which is not true. The account was paid in full from all paper work I received
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. ()

On XXXX XX/XX/2020 a company called fix my credit applied to equifax to remove a default on my credit report lodged by XXXX. On XXXX XX/XX/2020, Equifax emailed me to state they needed a 21 day extension. This expires on Saturday XXXX XX/XX/2020. I lodged a complaint after the first 30 days with XXXX who sent both myself and Equifax an email advising them they needed to get in contact and that a complaint had been lodged. I myself also sent two emails to the Equifax assessments team that look after investigations into errors/defaults. They did not respond. I have spoken to their customer service staff many times and keep being told XXXX are not getting back to their assessments team. They cant transfer me to their assessments team as they tell me this team do not take calls. They will not give me a date this should be resolved by. They have told me they will send an email to the assessments team each time i call but it has changed nothing. I have told them their not lifting the error is going to cause me financial hardship as i cant obtain a new job without them fixing the error default. They aren't concerned. I was given a number for their complaints team but each time you call, you wait on the line, then it comes up they are all busy and to leave a message. I have but no response. I have tried calling the creditor, XXXX, but was told that the team i need to speak to are back office and they dont take calls either? 
I give up. I really will be financially disadvantaged if they dont fix this timely. Its already been 42 days. Can you help me?
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has and continues to XXXX fraud in regards to the appropriation of monthly mortgage payments I am sending to RightPath Servicing. RightPath Servicing sent letters on XX/XX/XXXX and again on XX/XX/2022, stating my insurance had expired, of which it did not. RightPath Servicing stated numerous times that I needed to purchase Hazard insurance or they would purchase this insurance on my behalf and assess me for it. I sent RightPath Servicing proof of hazard insurance, multiple times. RightPath Servicing XXXX  misled me by claiming I needed hazard insurance coverage, only to place a XXXX insurance policy on my property, and not hazard insurance. I have sent RightPath Servicing mortgage payments and have had these funds misappropriated by RightPath Servicing. Every mortgage payment applied to the fraudulent XXXX XXXX policy purchased by RightPath Servicing is considered a separate act of fraud, as is every mailed statement a separate act of fraud via XXXX mail.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OR)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-10-27
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. (NJ)

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : Experian, XXXX, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Yesterday XX/XX/XXXX the Bank of America close my checking account and my saving account without explanation just said that they closed by his own decision, all my money was there I dont have money I literally on the street without money, they took more than XXXX between my checking and saving account without explanation I not fair. The XX/XX/XXXX y just did 3 transaction : to a business account, to a medic in XXXX and one to my fianc and she was a victim too because the bank clause her account too. 
And clouse my te credit card too so this is not fair because they are damaged my credit without an explanation.
Consumer complaint received 2020-10-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Today XX/XX/2020 I received a harassing voicemail from a so called XXXX XXXX from a proceeding office phone number XXXX called and said she is going to locate me and file a lawsuit against me. Told me I cant hide from her and she will keep calling. Mind you this is a third party that bought this debt from ACE Cash express so I called ACE CE instantly after, spoke with XXXX, who was polite and said she is sorry for what this third party is trying to do, she went on to say its a scare tactic, further more she said to ignore it. This was for a loan of {$240.00} She said she will notate my call and to block that number.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22 by XXXX XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-27
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

FedLoan Servicing is absolutely ridiculous. NO HELP is ever provided, the customer service reps talk in circles and give inaccurate information. When trying to actually resolve my issues, I can never get a straight answer out of these people. Since dealing with these people, I have literally called at least 25 different times and I always get the " run around ''. Each time I have called, it always says, " this conversation may be recorded ''. Check my recorded phone calls! Since 2016, I have made ON TIME payments and they are saying only a small portion of the payments I have made actually qualify under the 120 payments for the Public Service Loan Forgiveness. I know I have made at least 36 payments and they are saying only 18 of those payments " qualify '' and they can't give me an answer as to why only a portion qualifies. Over the years, FedLoan Servicing has put my account in Forbearance at least 6 times without explanation or my approval. I told them to keep my account out of forbearance and they keep doing it. I also kept making my monthly payments, on time while they put my account in forbearance. Each time, my account was in forbearance it took an act of God to get them to take the forbearance off my account. I have filed a complaint with the Department of Education about Fedloan Servicing and all they did was send my complaint to FedLoan to deal with, which isn't right! It took over a month for XXXX with Fedloan to even contact me about my complaint and then my complaint was not resolved. I contacted XXXX again telling him I wasn't satisfied with my " results '' and never heard back from him or ANYONE in Fedloan Servicing. I have documentation and emails. And recently, they doubled my monthly payment without contacting me or providing explanation for doubling my payment, which I can't afford. Fedloan Servicing is the absolute worst loan company to deal with. Their customer service is terrible and they can't resolve any issues for you. Please look into this company and I would like to speak to someone about my issues!! Should I hire a lawyer??
Consumer complaint received 2023-01-12
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: CITIBANK, N.A. (WA)

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank na/thd XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-10-27
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I took out a furniture loan with Regional Finance and at the time I had a Roomate that was helping me pay it off and now shes no longer helping and I dont have enough money but they have called me and threatened to take me to prison for not paying.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A RESPONSE TO THE COMPANY. 

I have submitted my LEGAL documentation and BILLs that they wanted to use for my " ADDRESS VERIFICATION '' process so I could use my account. Its been now 3 months since this company froze my account but they had no issue with me depositing money from the beginning. They want to steal the money I deposited apparently. Never have I had this much trouble getting verified after submitting multiple legal documents to prove who I am. 

They said my electric bill would work but the last time I submitted this document they denied it. I tried to print another recent bill and XXXX XXXX  XXXX has an issue with their system update that will not make a recent bill for many customers. You can call them to find out or we can do a 3 way call if you think I'm lying. They offered to send me a letter of address confirmation which BINANCE refused. So I have used my GAS bill, and my WATER bill that shows my address in clear text. Yet I received an email saying that the address doesn't match. I have a PO BOX for mailing because I live in a RURAL AREA! the address I live in is shown on the bills. I live in the same neighborhood as my PO BOX as well. The government made that choice to have our neighbors go to the post office for our mail. SO I MAKE SURE ANYTHING I SIGN UP FOR HAS BOTH MY PO BOX AND MY PHYSICAL ADDRESS. Stop giving me a hard time and give me my money back now!

No one has time for this! I expect a response very soon and I better get my account unfrozen because this is unlawful to hold someone's money fraudulently as you are.

By the way I emailed the CEO and their Financial Manger and I received zero response from them. This company is terrible to say the least.