davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MD)

Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (GA)

Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WA)

Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (NE)

As a Wells Fargo Business Client - I requested information on options for my company. I was asked to validate annual sales and deposits - instead of a structured solution - the Wells Fargo representative XXXXXXXXXXXX pulled my credit and declined the loan without a structure, a consultation, or worse yet - he did this without my written, verbal, or electronic permission. I stated in the email response to him that I wanted a structured idea of what i needed to do - I am am LLC that might switch to an XXXX XXXX, I have {$120000.00} in home equity and wanted to start a line of credit for my 8 year old company. I asked for options and this over zealous loan officer broke the trust and the law by making an unauthorized application in my name/company name. 

I complained to the bank and got the run around that it was a misunderstanding and that they were sorry i was mad. 

The reason for this attempt is that I am a US Based Small business - we have never bounced a check, never had a complaint and when Wells Fargo turned us down two years ago for a line of credit, we opened a Junk Mail and applied for a line of credit in New Jersey - they gave us {$70000.00} in 24 hours at 30 % daily pay - as a business owner, I have tripled my companies gross sales with the financial help and was only trying to get my business loan with the same bank that I trust to process my credit cards and payroll. I was trying to see what was offered by Wells Fargo as they brag about how they care about Americas Small Business - I was wrong in thinking this way but they still do n't have the right to pull my credit without my written, verbal, or electronic permission - it is unethical and shady - Can this agency please help this small business owner?
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount due is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I had noticed on my consumer report " XXXX XXXX '' that there was an account reporting on my name at Wells Fargo Bank. I went to my nearest branch and banker there gave the number to their " Identity Theft Department '' I contacted them and filed a report as a police report. I also had to speak with their fraud department and executive office which I interacted with some rude people who blame me for this accounts and completely disrespected me on the phone. 

I got a letter in the mail from their " Identity theft department '' that stated they cleared the matter, then I got another letter that stated they reversed that decision and will continue to hold me responsible for those accounts. 

This is clearly an unacceptable behavior from this bank that thinks they can do anything they want to poople. It is my preference not to resort to taking legal action against this bank and would like to have my name and information deleted from this bank 's systems as I had not authorized them to open my account nor collected my information. I had already suffered great injury from Wells Fargo Bank reporting my information to consumer report.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (LA)

In accordance with the fair credit Reporting act consumer has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1681 improper use of my credit report I have never signed a contract with XXXX XXXX I have asked for validation of the debt with the ORIGINAL SIGNED CONTRACT WITH THIS COMPANY NAME THEY ARE ALSO REPORTING A CHARGED OFF ACCOUNT WITH A XXXX BALANCE AT 100 % paid which is incomplete and violates 15usc1681
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/2023, I placed a XXXX order in the amount of {$75.00} through cash app. That money came out on that day on XX/XX/XXXX. I got a notification that XXXX took another {$75.00}. Cash app says XXXX charged {$150.00}. XXXX says this transaction does not exist. Cash app sent statements that show charges from XXXX that dont exist and were never made. I got my complete transaction history from the cash app website and it does not show where I put money in my cash app on XX/XX/XXXX and where it was taken on XX/XX/XXXX.
Consumer complaint received 2023-08-16
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage has advised I had an escrow shortage of {$700.00} which raised my monthly payment from {$810.00} to XXXX, they have advised again within 90 days that my escrow was short by {$700.00} and raised my monthly payment again from {$890.00} to {$910.00} within 90 days. 

This is absurd. I have never in the entire time I have had my loan had this happen while I was with XXXX XXXX XXXX.
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CO)

This complaint is about BBVA Compass Bank. I received a car loan with them in XXXX of XXXX. I made every payment on time. I recently bought a new car and was informed that the Compass car loan does not show up on any credit reporting agency. three and a half years of on time payments do not show up anywhere. However, in XXXX they closed a credit card account because they reviewed my credit report on XXXX and it was n't up to their standards. That negative closure shows up on all three reporting agencies but the fact that I have consistently paid 3 times the minimum payment since the closure does not. They only show I pay the minimum payment. I called Compass. Nothing they can do about the credit card. I called about the car loan. I received a message that they had fixed it and I could return to the dealership after XXXX XXXX and it will show up. It does not. it is now XXXX XXXX. They 've done nothing but damage my credit and refuse to show that I have never been late, that I pay more than the minimum on XXXX the car loan and credit card and never even reported the car loan to the credit bureau. They have severely negatively impacted my credit and I have no idea how to get them to fix it.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (FL)

Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (LA)

XXXX XXXX, an agent of PR Associates, XXXX, and Premium Receivables called my employment in an attempt to collect an unknown debt and threatened to send a lawsuit to an old address of mrine. I requested paperwork of said debt, yet he insisted that he could not provide such written hard copy paperwork for detail. Also, XXXX informed me that if I could not furnish a settlement by the end of the month. The lawyers are will notify the local court. He also suggested if I take out a payday loan, that would get me started on my first settlement payment of a debt I have no awareness of. 

The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase Banking customer with a checking account since XXXX. During a 6 month unemployment period in XXXX I had gone into arrears as Pre-authorized payments were not cancelled in time. Chase advised me of the amount and I had been paying gradually through payroll direct deposit to reduce the balance owing. My account had apparently been closed in XX/XX/XXXX but I was able to make deposits into the account. However, when I filed my XXXX tax return, my CPA did not change the bank information, and the refund went to this closed account sometime in XX/XX/XXXX. Sometime around XX/XX/XXXX I was informed by the payroll department of my company that deposits into this checking account number were no longer being accepted. I have not received any notice from Chase that funds were deposited into a closed account. The IRS wrote me a letter that these funds were deposited electronically. If this is the case, then my overdraft should be clear and I want my checking account re-opened.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (CA)

My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (MO)

Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Money Management International, Inc. (MD)

I started this program in debit consolidating program 2012 and was told and agreed to pay back debts to debtors. I am just about finished with the program and have paid for 5 years. Was told in the beginning what my monthly payments would be and what was owed. There also was not supposed to be no more interested accrued only pay what was agreed. Now that I am almost finished the program they tacked on a 6 % interest to XXXX my last debtor for the last payment. The agreement was when I subscribed to this program was the debt would not accrue any more interest matter of fact they would stop at that point of the agreement. Money Management took over this program in XX/XX/XXXX it is was XXXX and now they have allowed this to accrue and that was my original agreement that I had with XXXX. XXXX sold their program to Money Management and now they have changed the rules. They are allowing interest to accrue and not during the time you are paying it be after you are almost completed the program. I feel this is unfair practices and misleading the consumers. They changed the policy after I have diligently paid this program for 5 years. Now they send me a statement stating estimate that was done when I first started the program and it was supposed to have been finalized what I owed, what I had to pay monthly and time span for program completed. However, they tacked on interest for my last payment added in another XXXX after I had finished the program.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

.I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.