davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

ON XXXX @ XXXX XXXX  I deposit XXXX XXXX dollars into a checking account and XXXX XXXX XXXX into a XXXX XXXX savings account. 
At Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX I recieved XXXX in interest XX/XX/XXXX a collection XXXX XXXX XXXX A XXXX of XXXX was withdrawn on XX/XX/XXXX a XXXX monthly fee for low balance was charged to my savings account. XX/XX/XXXX a check for XXXX no check number was withdrawn from my savings account which I did not write never used checks in over XXXX  years. These transactions happened XX/XX/XXXX XXXX was transfred to my checking account ending in XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX a total of XXXX in withdrawals was moved to checking ending in XXXX then on XX/XX/XXXX charges of XXXX in monthly low balance fee was charged XX/XX/XXXX XXXX in excess activity fee was also charged. Then I notice a lot of other unauthorized Transactions and filed a claim on XX/XX/XXXX Claim ID XXXX at the XXXX location. Then shortly after all my money was gone the person that open my account at the XXXX location quit his job at the bank I suspect a lot of people quit Regions around the same time this took more then XXXX person to pull off. Why do someone quit their job right before a pandemic shut down?. I tried talking to someone at Regions Bank on XX/XX/XXXX about this they said again I was told someone will call me by the end of the week still waiting on that call my claim was never address still waiting on that. I am in Sock that during all this excessive activity no one called me to say is everything okay? are you really making all these transactions? nothing and a check order was placed on my checking account that I did not request online banking was set up at the banking center I did not authorized. Please help me I suffer with XXXX  and XXXX and to type this is taking a lot of effort. 
Thank you! 
Also on XX/XX/XXXX Bank Debit for XXXX XX/XX/XXXX XXXX XX/XX/XXXX bank Debit XXXX XX/XX/XXXX transfer to account ending XXXX total of XXXX my life savings is gone. Please Help me. Also nothing was mailed out statements closing paperwork when they closed my account withdrawals concern nothing thats why I know it took more then one person to pull this off.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On XX/XX/2021 I contacted USAA Bank and requested a balance on my Credit Card account so that I can close out the account. USAA emailed me a balance of {$13000.00}. A few weeks later when I attempted to make the payment to close the credit card account with USAA the balance changed to XXXX. I paid the {$220.00} online and Overnighted a check in the amount of {$13000.00} the check was received and stamped in by USAA on XX/XX/2021 and returned back to me the same day. I received my check back on XX/XX/2021 and returned the {$13000.00} my XXXX the same day. USAA received my payment and did not close out my account on XX/XX/2021 they did not post my payment until XX/XX/2021. On XX/XX/2021 USAA charged me {$4.00} interest and is refusing to close out the account. PLEASE HELP!! I paid USAA {$13000.00}. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NJ)

IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDALENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (GA)

I was denied a line of credit because of a low XXXX  score. I contacted paynet who told me they would send me credit report out. After reviewing the report there was an account that was opened up from Synchrony Bank, " XXXX XXXX XXXX  '' that I had not opened up. After I contacted Synchrony bank they said that there was a business card opened in my business name ( XXXX XXXX XXXX XXXX XXXX ) with me listed as the XXXX. After disputing the account with them they said that the dispute had been resolved in my favor and the account was fraudulent. After trying to contact the XXXX XXXX XXXX department and XXXX  we kept getting the run around in regards to when the account would be deleted. So I called Synchrony bank back who told me there was also an account that had been opened before the previously reported account ( which didn't make any sense to me ) but we disputed that account also. After being told that it was also resolved and would be removed i am now being told that its still under investigation. I feel like I am recieving the run around and meanwhile being subject to damages being denied credit. I would like these fraudulent accounts from Synchrony Bank to be removed from my XXXX report.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC (CT)

I was served court papers before receiving anything stating the account was transferred to the collection agency, before receiving anything stating what my rights are, before receiving anything at all. I then called the collection agency and they admitted they did not send me any of this info. I submitted a complaint to CFPB. After the complaint I received a document in the mail asking for more information my status for financial hardship from the debt collector. I sent letter stating they violated my rights and I would not be sending anything and stated the reasons why. I also ordered a cease and desist. The debt collector then cancelled the lawsuit they filed against me. The phone calls didn't stopXXXX XXXX XXXX XXXX later I am served with yet another court document stating I am being sued from the same debt collector for the same account. Still, they never sent me anything as before. It doesn't matter if they did anyway because the first ever communication I ever received from them is documents for lawsuit which violates the Fair Debt Collections Practices Act. In fact all of their actions have violated my rights under that act. They messed up and they know they messed up. The process doesn't start over just because they were caught in their XXXX up. I am XXXX XXXX XXXX XXXX. This is taking a toll on me and needs to be stopped now.
Consumer complaint received 2024-05-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (MO)

This was a car I co signed for an ex a long time ago. We broke up and he let it go back. I was NEVER notified of this nor given the opportunity to pay it as I should have been. I later found out they were going to try and garnish my check because of this, again without proper notification as I have been living in MO and didnt receive anything. Ive tried to contact them since and keep getting errors on the number and to try again later. I have tried to dispute this since because again, I was never notified or given an opportunity to pay the payments. This should only be on his credit for that reason.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX Equifax gave XXXX XXXX my credit score of XXXX. In a letter dated XXXX XXXX notified me that they were increasing the interest rate on my credit card and if I chose to dispute it with them they would cancel my card. XXXX suggested I take the matter up with Equifax thus on XXXX XXXX I phoned Equifax and was told my score was XXXX.In a letter dated XX/XX/XXXX I asked Equifax to explain the situation and along with the letter I enclosed the Research Request Form that was attached to the credit report Equifax mailed to me. The form had my name, address, social security number and date of birth. In a letter dated XX/XX/XXXX Equifax informed me they could not find my account and it would be necessary for me to send them copies of an exorbitant amount of documents. In my letter dated XXXX XXXX I enclosed pages # 1,2 & 4 of my Equifax credit report. I did not want to go to XXXX and pay to make copies of everything they requested. In a letter dated XXXX XXXX once again Equifax said they could not find my account and made another request for what I consider to be an exorbitant number of documents. I find this to be unreasonable. Why cant they find my account using a copy of pages from my Equifax Credit Report?
Consumer complaint received 2024-03-11
Product: Credit reporting 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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX OF XXXX {$320.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}
Consumer complaint received 2016-11-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

Hello, We are working on the short sale of my property. We received an approval letter on XXXX/XXXX/2016 from Wells Fargo but that buyer we had walked. We have another solid buyer with the same exact terms as our previous buyer. The only thing that is changing is the buyer 's name. This new buyer is ready to close but we need another approval issued again from Wells Fargo. This short sale lender has told us we have to go through the process again but my property is now in foreclosure with a sale date of XXXX/XXXX/2016.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX will not update the balance after its been paid and their accounts reflect that. First of all if it's a charge off and you send it to a collection company it should be updated to {$0.00} and paid because you don't own it nomore. Second when somebody decides to pay it update the balance ASAP to {$0.00} and paid. So if XXXX can't update all 4 accounts to paid with a {$0.00} balance they need to delete it because it's inaccurate reporting.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.