davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

I received this XXXX  Regions Bank offer in mail a while back. According to the offer, I'll earn a {$500.00} bonus if I do 3 things detailed on the mailer ( please see attached ). I have satisfied all the requirements for the promotional offer but never got the {$500.00} bonus. 

When I called Regions customer service, I was told since I had a Regions checking account before, I wouldn't be eligible for this offer. However, no where on the mailer mentions that, not even in the terms ( please also refer to the photos ). 

When I opened this Regions Bank checking account in the branch over 3 months ago, I double-checked with the banker on this matter. The banker carefully read the entire mailer and confirmed that, even I had Regions checking account closed approximately 1 year ago, I would still qualified for this offer, since the mailer doesn't contain any terms that would exclude me from received the bonus. 

I have contacted the Regions several time ( both calling the customer service number and branch where I opened my account ) on this issue but have never received a straight answer. I feel that I am qualified for this offer and it is wrong to treat a customer this way by making up additional " terms ''.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

There was a payment sent to me of {$450.00} on XX/XX/2021 in exchange for trip service, In order to send money through Venmo you have to know the receivers first name, last name, last 4 numbers of social security and phone number. These security reasons are put into place to prevent fraudulent activity. I got an email on XX/XX/2021 stating that I violated an agreement because the sender reported the payment as unauthorized. There are certain procedures you have to go through to authorize a payment and that was done. 
So Venmo allowed someone to send money receive a service from me and report the payment and took the money out of my account and shut it down.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MS)

The company is reporting an account on my XXXX report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with XXXX. XXXX is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to XXXX. I will seek legal credit reporting assistance if needed.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (AL)

I have contacted each credit breau to validate this debt, also to verify if the debt actually belongs to me, I have yet to recieve any thing stating how this debt belongs to me, I have also notice that each month the debt increases by a XXXX and also I have checked to see if the are license and bonded to collect in my current state and they are not. I would like this account to be removed from my credit file, they can't give me the original documents proving that I am responsible for this debt.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I believe Bank Of America is using predatory lending habits with my credit card. I have had my credit card with Bank of America for the past ten years. I recently started closing accounts due to unexplained fees, and continual predatory banking habits with bank of america. I have kept my credit card, and have used my credit card per normal. In the last three months bank of america has continuously lowered my total credit amount, thereby increasing my usage amount, and decreasing my credit score. I have other credit cards that have not done this, and I called Bank of America who can offer no real answer. I have always paid my credit cards, and during COVID a national pandemic, XXXX continue to make payments. I have communicated to BOA that I get paid once monthly, and wanted to change my due date, and they were not amendable. I have even made large payments, and they have counted it against me since I am not making minimum payment amounts monthly. This would only cover the interest rate, and I have in the past paid off my credit card. I wish to report BOA, and want someone to take a look into my account. I know BOA has been reviewed by the federal government for predatory lending especially to minority customers. I feel I am a victim of this, even as a XXXX XXXX during COVID, I wish to report this. Please feel free to call me at XXXX. I have notified BOA that I was filing this report. This has been a long standing issue.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent debt validation letter to portfolio recovery in XXXX. I haven't received anything back from them validating this debt. In the attachment document you will see what they sent me on XX/XX/2021 which is not validating the debt and I want this removed immediately from my credit report
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

on XX/XX/16 I sent in letters to California XXXX XXXX and Midland Funding regarding accounts showing on my consumer report by them that I don't recognize and were never authorized by me. I sent in validation request and never received any response from neither company. They are not above the law and must respond to any consumer requesting information pertaining to any alleged debts.Its been more than 30 days and I'm left to assume that there is no validation and that these accounts can not be validated with proof because they don't belong to me. attached are my original letters. Attached are two more validation request that I have mailed out to each company. California XXXX XXXX certified receipt # XXXX and Midland funding XXXX
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP (SD)

Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on XX/XX/XXXX.
Consumer complaint received 2018-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CT)

Hello, XXXX XXXX is the original lender who financed our home in XX/XX/XXXX. I understand companies sell mortgages to each other but this incident will be at my expense. Selene Finance LP sent me a letter XX/XX/XXXX stating this servicer switch will be effective XX/XX/XXXX. Two months a year, 3 mortgage payments are deducted while the third payment is payed solely to principal. XXXX XXXX did not take a payment on XX/XX/XXXX and the company also has no information about my account. This leads me to believe the three payments will not be deducted this month and it will be at my expense because the mortgage will not benefit from the additional payment. This is not acceptable!! After a brief conversation over the phone it was clear Selene Finance LP will not take responsibility or do anything to fix the problem their company has caused. 


Regards, XXXX XXXX
Consumer complaint received 2021-10-29
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. (NY)

On XX/XX/XXXX i purchased on XXXX 80 pieces of new wooden dance floor for {$15000.00} paid by chase debit card it said " Estimated delivery : Thu. XXXX. XXXX - XXXX XXXX. XXXX Order number : XXXX '' on XX/XX/XXXX we requested from XXXX to get a refund since the item wasn't delivered yet they had the seller contacting us but we told him we dont need it any more. 
on XX/XX/XXXX they decided to close the case because there was no more activity from us ( we were not aware of this rule ) the day after that we called them and to them we were suprised by that. they reopened the case and decided in our favor but oddly after 2 days they closed the case again so we went and opened a dispute claim with chase on XX/XX/XXXX and they reimbursed us on XX/XX/XXXX they asked for more documents before we had time to take action the closed the claim against us on XX/XX/XXXX we tried to call them and talk to them multiple times and they kept saying that they got document from the seller showing the item was shipped and refused to send us the documents and 2 weeks ago they finally promised they will mail the document that the decision is based on and we will have a chance to provide document to the contrary that we did not get the item ; but as of today we have not gotten them in the mail here are the facts : on my XXXX page this item is not stated as shipped the item was in fact relisted with a different item number and was still listed like that as of 2 weeks ago the seller will not be able to provide a tracking number oddly this seller who listed multiple items for years on XXXX has stopped all selling in the last week or so. 

i would greatly appreciate your help in this situation. 
thanks XXXX and XXXX XXXX
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

My family has been struggling to get our mortgage lender Fay Servicing to work with us to restructure or modify our mortgage loan. Despite dozens of submissions over the last few years we are never able to get a decision. Our mortgage loan is backed by XXXX XXXX and we know there are many programs available for distressed homeowners by offering loan modifications, recapitalization of arrearages, deferring delinquent interest, extending the term, flex modifications or repayment plans. We have had a change in financial circumstances as we now have a tenant in our upstairs unit and believe that Fay Servicing has failed to conduct a review of our ability to pay and loss mitigation options based on this change. We are also concerned that Fay did not offer the CARES act forbearance program to our family, which is required for XXXX XXXX  backed loans if the homeowner was impacted by XXXX and Fay is supposed to provide options BESIDES full reinstatement to restructure the loan. We filed XXXX XXXXXXXX  XXXX because Fay refused to come to the table, but the judge in our case told us that he no longer would allow any modifications in his courtroom and now the bankruptcy is dismissed. We are concerned that Fay and XXXX XXXX will soon auction off our home we have owned since XXXX and not even give us the opportunity to be reviewed for assistance options. We have been told that Fay and their Attorney may be in violation of the recently passed New York Foreclosure Abuse Prevention Act. The original judgment for foreclosure was issued in XXXX but that ruling had the incorrect block, lot and section number. The lender filed a motion for an amended order of foreclosure based on the correct information which was rubber stamped by the court. The new law passed in NY in XXXX XXXX is meant to stop this type of abuse by the court and in this case the statute of limitations has expired and the language explains that the original filings are no longer valid and that the process has to start over. We hope that Fay and XXXX XXXX follow the loss mitigation guidelines and the CARES rules and also the new statute S5473 in New York and that we are given the opportunity to retain our home.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent letters XX/XX/2021 calling XXXX, XXXX and transunion out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach that happened and my information may have gotten in the wrong hands.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.
Consumer complaint received 2022-09-15
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. (MS)

In accordance with The Fair Credit Reporting Act the following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights 7. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX  ACCOUNT # XXXX has 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 : States a consumer reporting agency can not furnish an account without my written instructions 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 2021-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.