davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (TX)

My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NC)

I have submitted a complaint previously regarding the same issue. I 've had a XXXX attempted credit card opened in my name without authorization. You all continue to blame fraud as to why I continue to have Chase credit cards being opened under my name for an XXXX XXXX credit card. You all have a partnership with XXXX and clearly a breakdown in security. I still hold Chase accountable for such relationships and the main source to a. ) running my credit and b. ) opening an account without doing any of your own due diligence. You simply accept what XXXX XXXX submits to you with no care whatsoever. I still believe you all are responsible call it fraud or not to ensure accounts are not being opened just for the sake of opening them. Has anyone checked to see if the employees of XXXX are being compensated for opening up accounts? How is this any different from what XXXX XXXX did??
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates that letters that Ive sent out asking for original documents from the grantor about these accounts I contacted the courts and ask do they send out Information to 3party agency they sent me a letter in response No I forward this letter to the 3 agents and Im still having a problem
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

disputed incorrect information and accounts with experian, after thitry day was told accounts and bankruptcies showing on my report we verified as being mine when asked for proof was told they do not have to give me prooof informed rep i have been a victim of identity theft was told to send in affidavit and police report which i did send in was told under reinvestigation after thirt days went by again was told again accounts have been verfied as being mine again asked for proof some thing with mysignature on it or copy of drivers license said again they dont have to supply me with proof.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

CFPB BE ADVISED THAT EXPERIAN SHOULD HAVE GOT A COPY OF THE POLICE REPORT THAT I SENT INTO THEM REGUARDING XXXX ACCOUNT XXXX I WILL ALSO BE SENDING YOU A COPY OF THAT USPS TRACKING NUMBER IS XXXX ALSO I WOULD lIKE TO ADD AS A IDENTY THEFT PER THE FCRA 611 I HAVE ASKED FOR THIS INFO AND EXPERIAN RUFUSED TO PROVIDE THE INFO THAT I HAVE REQUESTED FROM THEM ALSO XXXX HAVE NOT SENT ME ANY INFO THAT I HAVE BEEN ASKING FROM AS WELL
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CO)

A new debit card with the logo visa was issued and was supposed to come in the mail, my account balance was {$16.00} but when I went to check it it was at - {$4.00}, when I saw my current bank statement it said that the debit card was used but I have n't received it which was odd. Called to the US Bank and was told someone activated my card and used it at a gas station which I knew I did n't make, the personnel at the bank told me that after various attempts to withdrawal money from my debit card failed because of the wrong pin number, the remaining quantity of {$11.00} was used. Then we proceeded to make a card fraud report with the bank via phone.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OK)

My Ex-husband & I consolidated school loans prior to divorce in 2004. Since that time, I have tried numerous ways to take care of this account. Due to the fact, I was court ordered to be responsible for repayment of entire amount exceeding 25XXXX. They will rarely speak with me and I can not submit any documents with out my ex-husband of 14yrs signature. This is just NOT POSSIBLE. He is bitter and will not cooperate. He knows it goes on mine and his credit, but refuses to help me with this matter. I also qualify for student loan forgiveness, but since I am not the primary borrower I can not get this assistance. Therefore, I then try for re-payment plan. Well they want me to get my ex-husbands income ( which he is remarried ) to come up with a reasonable payment plan. Which I can not pay an amount based on mine, his, and his New Wife 's tax return. I do not want this effecting my credit, but I can not make the payment they are requesting from me.
Consumer complaint received 2017-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: BARCLAYS BANK DELAWARE (NC)

Was taken to court debt was satisfied through court. Barclays says there is a balance in the account there is not it has been payed. Barclays has all info about account being payed and satisfied but wo n't change credit info says I still have a balance on account. I have a notarized document from courthouse saying debt has been satisfied but Barclays wo n't change it.
Consumer complaint received 2016-07-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Security Credit Services, LLC (IL)

kmart had a program to lease at there store I leased a tv total cost XXXX if I was to purchase it on the lease you had to pay at least the price of the tv in which I did and then I called them to come pick up the tv I no longer wanted it the said they could not pick it up but they had a recovery team that did that I said fine but I did not want any more payments made they said they would take care of that and they did months went by and they still had not pick up the tv and then they called one day and ask if was willing to pay a discount price to keep the tv I said no I already paid more than it was worth they made XXXX more offer that I refused never heard any more and know they have put me in collection for XXXX iam in process of rebuilding my credit so you know what this to my score by the way they to this day have not pickup the tv it is sittingin my garage they have place there claim with a company called XXXX XXXX l hope you can help me when you file a complaint with credit bureau they come back and say we check and they say you owe the bill thank you
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

1. On or about XXXX XXXX, I searched for a XXXX hotel in XXXX, XXXX on " XXXX '' and booked the XXXX rated XXXX XXXX XXXX Hotel for XXXX XXXX. The booking was non-refundable. 
2. On XXXX XXXX, I called and wrote XXXX a letter asking for my booking to be cancelled because I learned from XXXX that the XXXX was undergoing major renovations and guests were complaining about their stay. The renovations were not disclosed on the XXXX website. 
3. XXXX refused, both on the phone on XXXX/XXXX/16 and by an email reply to my letter on XXXX/XXXX/16, and instead assured me that there would be no issues with the renovations. I therefore had no choice but to use the reservation since it was prepaid. 
4. The XXXX was nowhere near the XXXX hotel that XXXX advertised on its website. It was very noisy, there was no lobby for the use of the guests and their visitors, an essential feature of a XXXX hotel, and the restaurant was also very noisy and probably contaminated from the construction. 
5. When I returned home, I disputed half of the $ XXXX charge to my Citibank credit card on the basis that I did not get the XXXX hotel that I had booked as XXXX had advertised the XXXX to be and committed to deliver to me. 
6. Citibank refused my dispute and gave me XXXX different reasons on different occasions : That the booking was non-refundable : While this is true, I argued that this does not excuse XXXX from delivering goods or services that were agreed upon. Not delivering what was agreed upon is a valid billing error. 
That I had received the goods/services : I asked Citibank how would I have known what kind of goods/services I would get if I did not go ahead with my stay at the XXXX, especially since they assured me that the renovations would pose no problems? 
That I did not provide Citibank with a credit slip from the merchant : I told Citibank this is not a " missing credit '' dispute, so how could I produce a credit slip? 
7. Citibank never answered any of my arguments above. Neither did Citibank ever dispute my contention that the XXXX was not the XXXX hotel that I booked and contracted for during my stay there. 
8. XXXX claimed that the renovations were disclosed. But even if that were true, XXXX admitted it was at the very bottom of its webpage, so this was not in accordance with " Truth-in-Advertising '' rules on disclosure of material information. I provided Citibank with the rules but I never got any comment on them. 
9. It is clear from Citibank 's irrelevant, evasive and round-about replies to the issues I raised that it never investigated my dispute as required by the Fair Credit Billing Act. This is one reason for this complaint I am filing. 
10. The other reason I am filing this complaint is Citibank never provided me the results of its investigation, in writing or by any other means, as required by the Fair Credit Billing Act.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification
Consumer complaint received 2017-04-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (IL)

I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to XXXX
Consumer complaint received 2022-10-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX I requested the collection be investigated because the information is being reported grossly different. XXXX reports that I've never made a payment on time while Equifax reports I've never missed one payment, and XXXX does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid XXXX ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( XXXX ) that it was due to my income. XXXX reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( XX/XX/XXXX ) and it was denied ( XX/XX/XXXX ) and at that point I was sent to foreclosure. I again spoke with the same manager who advised that I reach out to the consumer advocacy dept to file a complaint in an effort for the issue to be looked into thoroughly. I filed a complaint ( XX/XX/XXXX ) and received a letter ( XXXX ) from US Bank apologizing for the error and advised that they were going to reopen my file. When they sent the letter they did not retract the foreclosure, they refused my attempt at making a payment and on XX/XX/XXXX they denied me due to my account standing in as of XXXX, however had they thoroughly reviewed my initial appeal and not denied it, i would not have been sent to foreclosure and I would have been continuing to make payments during this 4 month process.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: M&T BANK CORPORATION (OH)

I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

Someone got my Debit card information and started purchasing items with my card, the bank caught it and cancelled my card. I recently received bills from experian that I was receiving a service that I did n't authorize, I tried to order my annual credit report but it was denied saying I already received a free report. I need to find out what I have to do to find out who 's looking into my information.