davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.
Consumer complaint received 2015-03-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: World Acceptance Corporation (NE)

My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America offered an XXXX XXXX credit card with an introductory XXXX miles upon spending XXXX XXXX Therein lies the problem, when I had applied to the credit card, I had inputted a separate residential and mailing address. Afterwards I filled the rest of the application and was approved immediately. 
After waiting a while I realized that I never received the card at my mailing address, it turns out that Bank of America sent the card and information to the residential address ; assuming that the information mailed out to the residential address ( which I still have not received ). Herein lies my complaint : 1 ) I was not enrolled into the advertised credit card, but was instead enrolled into a different card with the same spending conditions, less miles earned per dollar spent and less miles earned for meeting the spending requirement ( XXXX instead of XXXX ). None of which were made known to me at time of application, acceptance letter, or delivery of the credit card. 
2 ) Upon requesting the local bank of america branch for help to see when I would be receiving the XXXX miles, they made it known to me that I had received the lesser valued card, but had still assured me that I will be getting the XXXX miles. 
3 ) Early XXXX, after half a year of waiting for the miles, I went to a local bank of america branch again and was told to wait while they worked on the issue at hand. This issue still has not been resolved. I was told then that they would fix the problem. 
4 ) today XXXX.19 I was told that they are refusing to even compromise and that I was not qualified for earning the XXXX miles even after being assured multiple times that I would get it and they refuse to work with me on any further subjects regarding this matter.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Affiliated Group, Inc (OH)

I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

My home lone is With Umpqua bank Loan # XXXX, and they ordered Home insurance even though I verified my coverage of insurace with XXXX with Umpqua at least two times ( faxing them my insurance cover sheets. ) Yet they still ordered insurance on XXXX/XXXX/2016 in the amount of {$3300.00} and raised my payment amoung to pay the insurace, so I was paying XXXX insurance companies then I even called and spoke with an supervior with Umpqua on XXXX/XXXX/2016 and we did a XXXXway call, with My XXXX insurance representative, to verify insurance. and the representative from Umpqua said oh good fax/scann the insuracanve verification to us. which XXXX did while on line with my bank ... Yet still they added banks insurance to my loan account. 
This has cost me a financial burden. So Im refinancing my loan, and they are stating I own them the {$3300.00} more on thier payoff for the XXXX insurance. Which means I have to bring the added amount to escrow to close my re-fi loan. I have made numerous calls to have them make a correction, but yet they have not done so. 
This is not right and has hurt me, causing my loan payment to be XXXX/month more. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (VA)

I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NE)

The daily phone calls are coming to our home landline. A recorded message does not ask for anyone in our household by name. It says it is an attempt to collect a debt and rattles off another number to call back. It does not repeat the call back number. I believe the number is : XXXX. We are on the national do not call registry.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX I went to a PNC bank to open an account because I didnt have a checking account. All I had was a credit card account with a different bank. I keep all my money on me as cash or in my friends accounts in case they need to help me pay for something online. So after I got my account open, I asked my friends to send me back my money and they did. I woke up one morning to see that PNC locked my account. The money in my account is supposed to pay my college tuition, my car note, my insurance payment and so much more bills all which are due. Over the course of my account being restricted, Ive had to start borrowing money from people just to feed myself and theyre already asking me to pay back. I contacted PNC bank to have them open back up my account and give me back my money but the customer service agents keep trying to transfer me to the fraud department. Whenever they do that, the fraud department never responds, I spend hours on the class and nobody ever responds.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (FL)

I explained to the collection agency that I have never had an account with XXXX XXXX, I asked the collection company for address on file and the address given to me was wrong, I explained to them in several occasions that I did not work on the place that they have on film and the address were the service was provided was unknown to me. No one else contacted me and then I found out this collection.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX Thank you.
Consumer complaint received 2015-10-20
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (CA)

Rushcard did a system maintenance. While doing this maintenance I had a direct deposit go into my account that they wo n't release to me. The system has been down since XXXX/XXXX/15. I and others have not had access to our money before or after. Many of us like myself still after 9 days have no access to my money. You call the customer service line it hangs up on you. Or there is no answer while being on hold for hours at a time.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that the payment history is accurate.If proof can't be provided I demand this account be updated or removed from consumer report. Please see attachment. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upgrade, Inc. (NY)

I took out a {$24000.00} loan. I was promised a lower rate if I directly paid off other debt. I used XXXX to pay off a loan with XXXX XXXX. It has now been 2 weeks and they claim the process is to mail a check to lending tree. This was not disclosed i was led to believe that it was ACH .4000 was dispensed to me on the 27th. the XXXX is still in limbo. I am paying interest on both loans as Upstart will do nothing for 15 business days ( 3 weeks ) lending tree is charging me interest and Upgrade is charging me interest and both loans are due in 2 weeks so I have to come with over {$1000.00} for both loans this month plus the extra interest on both loans. I would like at the very least to be reimbursed for the extra interest payments for the almost 19000 that is still sitting Upgrade 's accounts and in none of my accounts and I am paying for.