davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

In XXXX, XXXX I opened a business account at BB & T in XXXX, XXXX. It was a joint account. In XXXX of XXXX I went to the bank to get copies of the account statement. I was told there was no record of the paperwork completed when we opened the account and therefore they would not release information. I was informed that the account had been closed in XXXX of XXXX without my knowledge or permission. I was told to get an attorney to subpoena the records from XXXX home office of BB & T. I contacted an attorney who stated I would have to file a lawsuit to get a subpoena and it would have to be signed by a judged. I do n't want to sue BB & T and run up a law bill the size of XXXX just to get my bank records.
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (VA)

My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NV)

This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (PA)

In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Sierra Holdings LLC (MI)

I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.
Consumer complaint received 2015-08-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (GA)

I am a victim of identity theft. A bank that I had not heard of before the identity theft is US bank. I live in Georgia and I do not believe they are located in Georgia. The person trying to take my identity according to the bank opened bank accounts and credit card accounts. I denied the debt and they requested information from me which I sent to them, i.e., copy of license, proof of residence, such as mortgage payments and I even sent copies of mortgage statements dating back some years and other statements to prove my residence. I also sent the police report that I filed with hopes that these people can be caught. They wrote back and said they could not do anything unless I sent them a very clear copy of my social security card. I am concerned because when I googled the US Bank I see all the claims of fraud. If they have people in their bank committing fraud I would not want them having a clear copy of my social security card. I offered to go to my credit union or XXXX XXXX and I can take both my birth certificate and social security card and they could verify my identify but they said I would have to send them the information. I would like to know if this a normal because other companies where the fraud was committed such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, asked for a lot of information but not my social security card. Please help me with this because they are reporting the fraud persons address as my address to the credit bureau and will not release me from this obligation.
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

I recently wrote to US Bank regarding a reporting error on my credit card # XXXX. 
I have had this card for almost 10 years and have never, ever missed a payment. I recently applied ( and was approved ) for a XXXX card. I had not looked at my credit report for many years. They told me that in 2010 US Bank reported a late payment. I have made over 240 payments and have never, ever sent in a late payment. The sent me back a letter saying that they verified it as being correct ( see attached document ). They did not supply me with any information, any proof that it had not been paid. I was to just accept their word and that was it. 
I wrote a letter to the CEO explaining to him I was trying to refinance my home and that this one late payment ( the only blemish on my credit report for over XXXX ) asking him to look into this error. I was also verbally harassed by a supervisor at US Bank accusing me of having several late payments. He said it was recorded so their is a record of my complaint. 
This is a severely flawed system. US Bank believes ( as does XXXX XXXX which I am a client ) that they are not responsible for any errors and that I am just supposed to take what they say at face value. They could say anything and I have no recourse. 

I am asking you to conduct an investigation into this type of behavior and ask what ever banking agency monitors their system to change it so that a card holder of a credit card from them. I am also asking you to inform them to delete this 30 day late payment on my credit report. My past history demonstrates that this has never happened in ove 10 years. I was never informed that my payment was late nor was I given any notice that my check was not cashed.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX 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 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (FL)

My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.
Consumer complaint received 2015-03-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (MI)

Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.
Consumer complaint received 2017-01-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CO)

On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. 
When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. 
After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (TN)

On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

XX/XX/XXXX purchased vanilla gift card, loaded XXXX cash on card, for my teenager to use while I was on vacation. 
XX/XX/XXXX discovered card had XXXX of XXXX numbers, card will not work. 
XX/XX/XXXX called XXXX, on hold over XXXX min total, was hung up on XXXX. 
XX/XX/XXXX returned from vacation XX/XX/XXXX called 3 times, finally spoke w/someone. Emailed copy of card and receipts. Told they would mail new card. 
XX/XX/XXXX follow up call, told they are still investigating, will have decision on XX/XX/XXXX XX/XX/XXXX follow up call, asked personal info, told still investigating. I questioned why, when proof of cash purchase and faulty card was provided. Internal investigation needed, and customer compensation.
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. 
The lady had a total income of {$31000.00} a year. 
She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. 
The US Bank loan officer arranged a USDA downpayment of {$1500.00}. 
Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. 
The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. 
Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. 
After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. 
Their closing agents always take off on vacation when the various buyers ' loans are approved. 
US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. 
We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. 
As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. 
I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. 
Obviously not. Because her auto respond message was that she had left on vacation. 
So on Friday, finally on schedule, we closed and gave the buyer the keys. 
Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? 
What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? 
They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem?
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We closed a re-finance loan XX/XX/XXXX. We pay our own property taxes and informed the lender and the lawyer. The closing documents showed that property taxes were held by the closing office, even though we submitted proof that we had paid the taxes XX/XX/XXXX. We were told not to worry that the {$790.00} held by the closing office would be disbursed to us when our money was released. That did not occur. I attempted to contact the law firm, but they never responded. I contacted the mortgage company. They responded, but did not have the authority, I believe, to correct the situation. At this point, it would be nice to recoup the money improperly withheld by the law firm, but I am lodging the complaint to make people aware and to check the numbers as the monies are disbursed.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have reached out to a company called 5 Star processing. That claims they can post tradelines to your business profile to build business credit report. They are calming they place a tradeline with Equifax business and credit safe. After 4 months. No information was posted on my account. I called Equifax and Credit safe to ask if the information has been posted. They have stated no. After several conversation with the owner XXXX he has assured me the information has been posted. I called the two firms again and they have stated no tradelines from that company has been posted. I reached out to XXXX again and notified him that I would report this fraudulent business to the FTC, and the Attorney General I have also spoken to the customer service representatives concerning the issues which prompted XXXX to call me. He has stated that there was an issue with their back system, and he just learned that no business owner tradeline has been reported for months and he was not aware. When I asked him when the information would be posted. He stated within the week. after 4 months I have learned that in over a year this company has frauded many business owners who were promised a service and services were never rendered. No services were rendered. and this company has no afflation or business dealings with the companies mentioned. Its all a scam. Here is the website https : XXXX. Also Here is the XXXX channel of their posting and the person that is recommended them. I later found out she is part of a fraud as well. You will be able to look up her name. She has been reported by thousands for her financial crimes. Her name is Real name XXXX XXXX ster is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have lost {$500.00} during the time I have been associated with this company. And 1000s of other clients have lost more. We need your help.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

I made my house payment online on XXXX/XXXX/16. 1 day before the grace period ended. I logged into my US Bank mortgage account and made the payment. I received the thank you for your payment screen. I then checked my email and I received a confirmation number in an email thanking me for my payment. So I thought it was all good until a week and a half later when I went online and checked my bank account ( NOT US BANK!! ) and noticed they have n't taken my house payment out yet? I went to US Bank site and now it shows a late fees so I called them and the recording also states I made a payment on XXXX/XXXX/2016. I finally got a lady on the phone and she said there was a clerical error. I said okay so you are going to remove the late fee then right? She said no I told her I have a confirmation email and she said that does n't mean anything, I told her there was no error when I made the payment and again she said that does n't matter, I told her that the phone recording says I paid on the XXXX too! Again her answer was that does n't matter! She also said I have to make the payment on the phone now to avoid the payment being 30 days late which will cost me another {$11.00}? How can they say thank you for the payment, send you a confirmation # and say thank you for your payment and the recording when you call says a payment was made on XXXX/XXXX/16 and STILL charge you a late fee? Also why was I never emailed saying there was an error please call or visit the website? What if I did n't view my checking account online and waited for the bank statement to come to balance my account? Is this even legal? I would also like to note that I will only pay online now because I had a past late fee and US BANK said they did n't receive my payment in the mail until after the due date? It was being sent to a location only XXXX state away from me. US Bank claimed they did n't receive it until after the due date.. I sent the payment in 12 days before the due date. Their excuse was they do n't control the post office.