davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NE)

I purchased a property using US Bank as my lender many years ago. We fail on hard times fraught with medical issues and were unable to keep our property. They foreclosed on my property XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX, XXXX and the property was sold on XXXX XXXX, XXXX for more than the amount owed on the property. US Bank paid off the first mortgage and forgot to pay off the second mortgage # XXXX also through US Bank. US Bank harassed me from the date the property was sold and still are. They have even gone as far as to contact my Insurance Company demanding I have property insurance on a property they themselves sold. They would call me almost every single day and I have talked to many of representatives explaining the same thing that I do n't owe US Bank any money and why. Finally, I received a letter from US Bank XXXX XXXX, XXXX Stating that the second loan would be removed from the system at the end of the year. The XXXX XXXX was XXXX XXXX from the XXXX XXXX Department. I followed up with US Bank and was told due to an Error on their part is why I had to wait until the end of the year. In the meanwhile, US Bank has been reporting delinquent payments to the 3 major Credit Bureaus. When I contact US Bank they tell me that I owe this money they can only go on whats filed and keep requesting I set up a payment arrangement to settle the account. 

Not only do I want my credit fixed and the loan to be removed but I am seriously concerned about any other US Bank Customers. There is obviously a huge issue in their policies and procedures and a huge loss of communication. Basically, they are sloppy. How does a bank try to get insurance on a home they themselves sold? Forget to pay their own loan? Report derogatory credit on a settled account. I feel it is imperative that these policies and procedures are looked at through a microscope. 

I also request an apology letter.
Consumer complaint received 2017-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (OH)

RE : Credit Discrimination Complaint. 
RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. 
How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. 
Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. 
XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND *Over {$16000.00} in checking account. 
*Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? 
XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. 
I repeat ... .A ZERO balance due on a student loan thats in Forbearance..

*PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. 
*Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. 
XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. 
*PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? 
*The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.
Consumer complaint received 2017-09-08
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. (TX)

I have been impacted by the Equifax breach. I checked on their security website and it says that they got my ALL of my personal information. This has all occurred on XXXX XXXX, 2017.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

Equifax was hacked and neglected to inform affected customers until months had passed. Equifax managers dumped stock with insider knowledge that the news would affect the price. 

Additionally, they have set up a website to check if we were affected. By checking if we were affected, we waive our rights to a class action suit in the future. This is extremely shady, almost certainly illegal and should be prosecuted.
Consumer complaint received 2017-09-08
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. (TX)

Equifax leaked my personal info, putting me at severe risk of identity theft. They lost control of my SSN, financial history, and drivers license number. I plan on joining the class action lawsuit when it is filed.
Consumer complaint received 2017-09-08
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. (CA)

As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax has compromised/leaked my credit and personal information, and is still attempting to charging me for a credit freeze. They are the direct cause for the freeze, yet some how I suppose to pay them to protect my credit.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America failed to timely post *2* payments to my credit card in the past week ... which should have been simple transfers within the bank, from my checking/savings accounts. This is a PATTERN OF BEHAVIOR over the past year. Please hold them accountable. ( I will copy this report to Sen. XXXX since BoA is thoroughly unresponsive ... e.g. I 've been " on hold '' for over an hour. )
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (TN)

In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.
Consumer complaint received 2017-09-08
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. (PA)

Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.
Consumer complaint received 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX and XXXX I faxed Equifax A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (ME)

Hi, My name is XXXX i was contacted by a company called Accelerated Financial Solutions on XX/XX/XXXX. Please see link to their website http : //www.acceleratedfinancial.net/ They called me from phone number XXXX XXXX XXXX.
They claimed that i had an outstanding debt to XXXX  for {$260.00}. They claimed i opened the account in XX/XX/XXXX. In XX/XX/XXXXi was XXXX. I asked for info regarding the alleged debt such as the account number, where the account was opened. They were not able to provide me with any info other than i owed them money. I have never had an account with XXXX. I reached out to XXXX to see if there was ever an account opened with my social and XXXX fraud department told me they have no account in their system with my social. I feel like Accelerated Financial Solutions was trying to scam me. After speaking with the XXXX fraud department I called AFS back and advised what XXXX had told me. The woman is spoke with was rather hostile as i asked for me info on this matter. The woman at AFS claimed that XXXX does n't keep their customer account data forever and that is why XXXX had no record of the alleged debt/account. I told them i felt like was being scammed and I do admit i was not very nice and used some not very nice words. I asked for them to mail me all the possible info on this alleged debt. They claimed they would only send me a one page document with a letterhead claimed the account would be closed.. At the end of the call the woman i spoke with claimed that it was identity theft and due to the account being opened in XX/XX/XXXX( when i was XXXX ) that the matter was closed and that i did n't owe them any money. I am not sure if you all are the right people to reach out to regarding this matter but i truly feel as these people were trying to scam me.
Consumer complaint received 2017-09-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Consumer complaint received 2018-07-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

I got an auto loan in 2015 to buy a car. 2yrs or so the motor vehicle was surrendered/repossessed. I did not get any letter of collection. I am seeking a mortgage now and was made aware by a lender that a collection of {$8000.00} was on my report. I contacted the bank and was told that the car was appraised and auctioned for {$3900.00}, and that they are seeking to collect said {$8000.00}.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

open new checking account XXXX and it showed bank america never resolved claim and took all my money on accounts I closed before 3 years ago and now they have no one to help me and yet they placed all below information on my current account THEY NEVER RESOLVED AND GOT AWAY WITH THESE MY ATTORNEYS INTERESTED IN A LAWSUIT IF NOT CLOSE AND MONEY RETURNED IMMEDATELY HAVE ONLY 5 DAYS BEFORE LAWSUIT.
Current status : Researching Claim - your information was received & we are reviewing Help for Researching Claim - your information was received & we are reviewing layer Claim ID : XXXX Claim amount : {$1800.00} Initiation date : XX/XX/2014 Features Paperless claim documents : Enroll in Paperless claims documents Alerts : Edit Settings for Alerts Claim received stage is completeClaim started stage is completeClaim in research stage is active Claim closed stage is pending
Consumer complaint received 2017-09-08
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (OK)

The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC. (TN)

I received a call from Halsted Financial this morning about a debt I did n't know I had. I requested something in writing as I did not receive whatever mail they sent me. They wanted payment over the phone, and I said they would not get any access to my bank account, that I would send a money order or cashiers check with the bill. The supervisor then spoke to my husband and said that if we did not pay it right then, he would mark the account " refusal to pay '', even though I had said I would mail in a payment. I did not refuse payment, just refused to give them electronic access to my bank account. They then threatened legal action.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax was hacked, exposing my PII. They failed to disclose this hack until more than a month after it was detected, exposing me and millions of other consumers to the very real danger of identity theft.