davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO Bank, N.A. (AZ)

Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal law.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature
Consumer complaint received 2020-05-07
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. (DC)

I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. XXXX finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, XXXX reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that XXXX  provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES AcXXXX, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.
Consumer complaint received 2020-03-12
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: Home Loan Center, Inc. (WA)

My complaint LENDING TREE is CONSTANTLY sending me Emails/Texts on my personal financial history WITHOUT MY CONSENT!!! Example ... How they know my remaining balance of mortgage. My options of personal loan. I went on website to learn more about OBTAINING A PERSONAL LOAN ... But NEVER AGREED UPON IT!!!!. Please help ... THANK YOU FOR YOUR TIME
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

Im not sure of the exact date but on or around XX/XX/20 my card was locked. Due to excessive hold times it took me a few days to find out why the card was locked i was told due to identity verification which makes no sense having be the government has already verified me and i had the card for months. I have sent my id documents several times both by fax and by the XXXX  upload documents at XXXX. To no avail. 
I am writing this because I am very displeased with US Bank XXXX and unsatisfied with not only the fees and inability to find free atms in my area but also due to their terrible customer service, hold times, hang ups and inconsistency amongst staff. 

I have never had to dispute any transactions, deal with fraudulent purchases, replacing of debit card or rude ignorance and changing information among customer service reps with any other bank or prepaid debit cards. All of the issues Ive stated plus more that i dont find tasteful to even bring up. 

Im not one to complain but after three times having to have a new card sent, waiting to be able to use my own emergency funds twice for over twelve days, not to mention being on hold for hours repeatedly before the issues were resolved. This last time that I ordered a new card I was finally made aware that it could be shipped overnight for a {$15.00} fee. Something that was never mentioned or offered the previous two times. One time my card was cancelled and shut off due to the application opening in my purse and miscellaneous buttons being pushed at random. Another time due to a service I never used charging my account for a food delivery to an address I cant even find out to learn who and how my card information was leaked and used. 

I am not comfortable nor do i feel my private information is safe with this company I dont want to continue to rely on XXXX to keep my money at hands reach my information safe and not constantly worry that ill go to swipe my card and it not work AGAIN that ill wait on hold for hours AGAIN and have to have another card shipped AGAIN for reasons no fault of my own. 

Thank you very much for your time and for listening to my concerns and complaints in regards to XXXX  and us bank. I would rather wait a few more days to receive a check that only i can cash and know my money and information is safe then ever rely on XXXX  ever again. No one should be forced to use such a unreliable inconsistent company. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MN)

Synchrony, number just used - XXXX it is different all the time, has called our number thousands of times, no exaggeration, over the last few years. They are calling for a XXXX XXXX, whose name they just recently referred to. XXXX XXXX has NEVER lived in our home and I myself just looked up his number on XXXX easily enough, why can't they. This company has harassed us for years over someone else 's dept! Please get it to stop. Thanks
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Company : LoanCare ( XXXX XXXX XXXX ) My loan was transferred to a new servicer and the account became active today ( ie I could register online and pay my mortgage without a fee by enrolling in autopay ). I registered and tried to set up autopay and was given the message " Auto Draft enrollment will become available once all past due payment amounts have been paid. '' I suppose technically I am past due but I did not have the option to pay prior to today.

I looked at their fee schedule and was directed to their app : " Use our mobile app or desktop site to schedule and manage one-time payments. Making a payment on or before the due date is always free of charge. '' I tried logging into the app and was given the message " Client is not enabled. '' I tried to register and was given the message " Loan number is already registered. '' So, the app is out ( judging by the one-star reviews, it appears others have had exactly the same problem ).

Now, my options are to i ) pay online and be charged {$10.00}, ii ) pay by phone for {$15.00}, iii ) roll the dice on a check getting there on-time via standard USPS, or XXXX ) pay a fee for express mail with tracking. Even speaking with customer service requires a fee! This is the most blatant money grab I've seen and the process is intentionally difficult / designed to produce foot-faults where LoanCare can collect extra fees.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: S&N Debt Solutions, LLC (IN)

I enrolled four accounts in a debt settlement program with Beyond Finance in XXXX, XXXX. In XXXX, I removed two accounts from the program. I paid upwards of {$500.00} per month into an escrow account, for a current total of {$3900.00}. 

As of XX/XX/XXXX, they had not settled either of the remaining accounts. On XX/XX/XXXX, I asked to close my account and have the money in my escrow account returned immediately. The customer service representative I spoke with said that the full amount in my escrow account would be returned to my bank account within 7-10 business days. Today ( XX/XX/XXXX ) marks 10 business days, and the amount has not been deposited in my account. I spoke to two separate customer service representatives on the phone, one of whom said that my account was still pending and the second of  whom said that I should receive my money no later than Monday ( XX/XX/XXXX ).
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This issue had been ongoing for month and years. Today I received a letter from Well Fargo wth a copy of my original note that was signed for a rate of XXXX in XX/XX/XXXX..I was employed during that time and was able to pay. I tried talking to Wells Fargo many times during the XX/XX/XXXX down market period, but, was rejected. I had to lease the townhome in order to pay the mortgage and not go into foreclosure. I tried refinancing through a private company, but, since the ony income I have is social security I am always turned down. I have keopt the townhome rented at a cost to me financially and has become a burden. I have tried to sell the unit ( currently on the market ) -no takers. Well Fargo has always refused to refinance my mortgage because of income ... again, today the letter states call them for refinance really they keep me in circles instead of helping me. I am an XXXX yr woman that needs a little help. 
Don't know what else to do XXXX XXXX
Consumer complaint received 2020-05-08
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (MN)

I recently sold my home due to a divorce and closed on the property on XX/XX/XXXX. I am in the process of trying to purchase a new home and had a credit report run to see what I qualify for. The report came back with a late payment showing in XXXX, XXXX, and XX/XX/XXXX. I do not understand the late payments that were reported to the credit bureau in XXXX and XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX ( I have wire transfer confirmation ). 

Loancare took over my previous mortgage with XXXX, as XXXX went bankrupt. The change took place and paperwork was sent out in XX/XX/XXXX. I tried to make a payment for XXXX, but Loancare was working on setting up the new account and said there was a 60 grace period, so I sent my payment to XXXX thinking this would be forwarded to Loancare because I did not want to miss a payment ... this never occurred, so my payments were always a month behind. I was in close contact with Loancare monthly and kept them up to date on the progress of the sale of the property. I was always told that everything on the account was fine and to let them know when the sale happened, which I did. I have dates of payments made on the account from XXXX XXXX ... they are as follows : XXXX- {$450.00} posted on XX/XX/XXXX and {$450.00} posted on XX/XX/XXXX XXXX {$450.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX transfer was made on XX/XX/XXXX for full remaining balance. 

I had reached out to XXXX XXXX/Loancare early XX/XX/XXXX to let them know about the incorrect late charges on my credit report and I had to escalate a dispute to the credit department per email, which I did. I was told I would have an answer the end of XXXX, which I did not. I called several other times to speak with the credit department, but apparently they do not take calls or have a phone number. So, I finally spoke to a manager that said I may not have an answer until the end of XXXX, which was true. I received a letter on XX/XX/XXXX that said the dispute was reviewed and the info submitted to the credit bureau was accurate. I immediately called back to discuss and again, no way of speaking with anyone. This has affected my ability to purchase a new home as I can not have three late payments reported. Again, I can understand the report as late for XXXX because of the missed applied payment, but not for XXXX or XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX. Can you please assist? I would greatly appreciate the help!
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Independent Dealers' Advantage, LLC (GA)

There a two negative remarks on my credit report for XXXX and XX/XX/XXXX. My payment was due XX/XX/XXXX and I made the full payment XX/XX/XXXX. XXXX, the car dealership IDA took XXXX dollars of my payment and applied it to collateral protection insurance payment with out my knowledge. So when my XX/XX/XXXX payment came due and I made my car payment they advised me that the rest of my XXXX payment was not paid because they applied the funds to the CPI with out my knowledge. The same thing happen to my XXXX payment as well. I have been making my car payments within 30 days and it is not with in the FCRA for them to allocate my payments to where they want them to go and then report me as being 30 days late XXXX and XXXX payments when I paid my car payments in full.
Consumer complaint received 2020-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

This complaint stems from a previous complaint filed against US Bank, complaint # XXXX. US Bank froze our line of credit due to a subordination agreement on a refinance that was not closed on. Due to our complaint, US Bank contacted us stating if we provide a letter from the closing company that the subordination agreement was not enforced nor recorded, that they would lift the freeze. We, in accordance to what they requested, provided the letter to US Bank from the closing company, but the freeze still remains in place. Furthermore, we were not given direct contact information for the person handling our complaint, thus rendering us incapable of directly communicating with anyone who directly knows what is going on with this situation.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WI)

I was contacted twice by State Collection Service about two accounts that were outstanding. For one they wanted to talk to my XXXX yr old daughter about the debt as they had put it into her name instead of myself ( her mother ) or her father. Second when I tried to get more information on them they said to take it up with XXXX XXXX about the bill. I had contacted XXXX XXXX and they have NO bill for us. When I went onto State Collection Online to see about these accounts to pay if it is there, even their site states they have no account for us. This is an amount for only {$31.00} but I have no paperwork nor anything from this company about these accounts. I have tried to talk to XXXX XXXX XXXX about getting more information but they refuse to talk to me as I am not my daughter. I 'm not going to put my XXXX yr old daughter on the phone to talk to someone about this.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The credit card service of Citizens bank has refused to update that I paid off my credit card with the credit bureaus leading me to have an artificially low credit score during COVID-19 which is greatly impacting my ability to manage financially. 

I have called their customer service line multiple times to no avail, each time I am given a different excuse and a workaround explanation.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (GA)

Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .