davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (MI)

I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after XXXX on XXXX XXXX, XXXX. 

I closed a U.S. Bank charge card account back on XXXX/XXXX/XXXX due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. 

U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. 

U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen this application or a charge card. I have told them, " YOU FRAUDULENTLY PUT THIS XXXX ON MY CREDIT REORT, YOU GET IT OFF. 

I have been in too many discussions to count with U.S. Bank fraud department employees all to no avail. 

U.S. Bank was informed of the discovery of a forgery kit utilized by my deceased wife. U.S. bank has been informed of everything all to no avail. 

U.S. Bank continues to send statements every month even though they are fully aware this is an issue " UNDER CLEAR DISPUTE. '' As a result of their ineptness, I have turned this issue over to my attorney, XXXX XXXX XXXX attorney and counselor at Law. XXXX XXXX XXXX XXXX. He has sent them a document with my signature authorizing him to act on my behalf all to no avail. He has sent them letters and tried to call them all to no avail. 

In closing, I have never seen or used a charge card from U.S. Bank after XXXX/XXXX/XXXX. I want the information that was fraudulently applied to my credit report by U.S. Bank removed.
Consumer complaint received 2023-03-23
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. (CA)

On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (ID)

Step 1 : What is this complaint about? 
My mortgage company refuses to accurately report my mortgage on two of my three credit reports.

Step 2 : What type of problem are you having? Seven plus years of incorrect reporting by IHFA Step 3 : What happened? XXXX I filed Chapter XXXX  bankruptcy. NOT chapter XXXX, but chapter XXXX. For seven years I have had inconsistent reporting by IHFA. Some months they would report, some they would not. Some they would report that I paid my account in full. Some they would report that I filed Chapter XXXX. I have examples of these reports and I have turned those over to IHFA. 

In XXXX of XXXX my bankruptcy was removed from my credit report. I contacted IHFA  in XXXX asking when my credit report would FINALLY be corrected. I was told it would take a few weeks ( see attached email string ). I waited ; nothing. I have contacted IHFA six separate times, and they have refused to change my credit reporting and will not respond to why.

Step 4 : What company is this complaint about? Idaho Housing and Finance.

Step 5 : Who are the people involved? the only person who would give me a name is XXXX - but i have no last name or other identifying information.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo 's online banking app gives you a convenient button on the account summary page to pay the credit card balance. But after clicking that button the next screen there are 3 payment options : 1st says " Total amount due ( Includes current amount due, past due and/or over limit amount and fees ). 2nd option says : " Past due amount ''. And 3rd says " Other '' with a space to enter an amount. This is misleading. It implies that option 1 is payment of full balance. One must understand the bank 's twisted lingo that " Total Amount Due '' is not the same as " Total Outstanding Balance ''. Total Amount Due is actually the MINIMUM amount due. Twice my wife and I have had paid the " Total Amount Due '' thinking we were paying off the whole balance, only to find out interest charges and fees the next month. Essentially by being misleading about " Total Amount Due '' the bank misleads us into keeping an outstanding balance on which they charge a ridiculously high fee. They could solve this problem by easily having another option that says : " Pay full outstanding balance '' with the amount shown automatically.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I transfered my checking and savings accounts to Capital One about two years ago. I have noticed that they seem to continuously recalculate the interest they pay on checking accounts in order to lower the amount paid for maintaining a checking account. For me, since I only keep a minimal ongoing checking account balance of $ XXXX {$1000.00} after paying/preparing to pay bills, it hardly amounts to any monthly interest ( around XXXX cents/month ). Yet Capital One will inexplicably adjust the amount downwards with no explanation. When I called Capital One, a supervisor told me the interest rate gets calculated depending on an order of transactions. So they deduct any pending amounts -- even if it's for the next month -- to give customers the lowest possible interest payment possible, even if it means retroactive adjustments. While it's a mere pennies for me, this seems like a pretty shady financial practice and, when spread across many customers, seems like a potentially considerable advantage for the bank at the expense of consumers. I am actively looking to change banks after a really eye-opening and disappointing conversation with Capital One.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

Middle class tax refund card was stolen in the mail. Requested replacement. Replacement was sent. Set it up, and noticed that balance was only XXXX . Clearly the money was stolen. Unable to contact company. Company does not have an adequate fraud line. Attempted to call over 10 times. There is no customer service agents who answer.
Consumer complaint received 2020-06-05
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-07-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-11-04
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: ENCORE CAPITAL GROUP INC. (TX)

My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to XXXX but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.
Consumer complaint received 2022-11-04
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. (TX)

My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to Experian but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I requested to be off covid forbearance in XXXX. I Requested for a loan partial for a solution. I have made all my house payments from XXXX to XXXX. I have still not received loan partial docs from hud in the mail and it has been roughly 3 months. I'm starting to get really worried. Cross country keeps telling me a few weeks.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (OK)

Escrow errors in the tax payments. New property, the city of XXXX has not established the correct accounts for the new addresses. New property is a duplex ( two seperate loans ) built on an old single-family lot. One tax bill is correct and appropriately charged to one of my loans. Flagstar in error charged me for two incorrect properties. XXXX XXXX records clearly show wrong owners and addresses. Subsequently significantly increased my escrow payment requirement to cover someone else 's tax liability. Have had four conversations over the last two months with escrow management. One incorrect tax account was removed, one still recorded in my escrow account, and not removed after repeated conversations. In the interim my escrow payment is incorrectly inflated, and I'm required to pay for their inaccuracies, or be in default.
Consumer complaint received 2018-05-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have asked for a request to pay off the remaining balance of my account with a horrible company. The company have prolonged the process so the can continue making money with interest and payment fees. The first attempt of asking for the payoff of my account I was told inaccurate information ( would be faxed within the next 20-30 minutes ). I then proceeded to reach back out to the company after making the payment of the remaining balance that is listed on my account-with no pay off demand received from the company. I spoke with the first agent in which didn't recite the correct payment that was received from me by the company. I got the agent to research the payment I had just processed to make sure the company was not play with such a huge amount of money. After getting the recent payment information confirmed, I proceed to ask what the balance was on the account. The agent was completely confused and begin to argue with me. I requested to speak with the supervisor in which I was advised there was still a balance on my account and that I payoff demand was faxed to me on yesterday. The supervisor proceeded to tell me that a payoff demand take 48 hours to process after I advised him I never received such information. I proceeded to request one more payoff demand to be mail via mail to me. The supervisor was very irritated with me as well as the what I was requesting. In the middle of the supervisor processing my requesting and me voicing my opinion about how this is being handled, the supervisor hung up on me. The supervisor 's name was XXXX and was not nice at all especially to a person that was paying off their account. The request that I have asked from this company is not unheard of but how I was treated for attempting to fulfill my commitment to a contract was unprecedented. I had more time to review the company that was now over my loan and the company has several complaints as well as reviews about how their billing and services are handled. If this company has so many concerns and alarming complaints, why is there no one regulating this? Why is there no check and balances in place? Me being a consumer, I should not have to deal with issues like this coming from a company rated so high by the XXXX. I'm in complete awe and disbelief that I'm not having to reach back out to this company to confirm payoff request has been processed and being mailed to me. The values that are displayed within your employees is a direct reflection of this company and the services they have to offer! This company is not consumer friendly and they do not have the family values that are portrayed across their brand!
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

Our loan was sold by XXXX to XXXXLoan Care after being with them over a year. Our mortgage payment is going up considerably because our property taxes went up, so there is a shortage in our escrow account after being sold. We would like to handle our own escrow account so our monthly mortgage payment does not go up so much that is becomes unaffordable. The issue is that by law the mortgage company is allowed to collect more than they need in order to have a reserve, which impacts our monthly mortgage payment. By managing our own escrow account we can just continue to pay enough to cover the taxes and homeowners insurance. The other issue is that we can never get through to anyone that can make a decisiion in the Escalation Department and Customer Service will not give us a direct number. My wife has been calling and sitting on hold for hours and than will get conflicting information on their policy. It seems like they just want to run out the clock since we either have to give them a lump sum by our XXXX 2016 payment or pay the new monthly payment which is {$300.00} more than we we have been paying.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

the company XXXX XXXX XXXX withdrew my mortgage of {$1200.00} twice this month first on XX/XX/18 and again on XX/XX/2018 the one on the 8th not being authorized. i then called them and they refused to help  citing i have to email them my bank statements and wait 5 business days to see if they will refund me the money which i need to pay other bills.
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (SD)

I previously submitted a complaint ( XXXX ) on XX/XX/XXXX about an erroneous payment in the amount of {$450.00}  posted on XX/XX/XXXX. I originally called Chase Bank on XX/XX/XXXX to schedule a payment on XX/XX/XXXX. I am now submitting an additional complaint due to a second ( 2nd ) erroneous payment in the amount of {$450.00} posted on XX/XX/XXXX. I have attached both XXXX  XXXX XXXX messages indicating the payment attempts and the {$35.00} NSF fees. I now have been charged a total of {$70.00} in NSF fees for two ( 2 ) payments that I never authorized. 

I contacted Chase Bank today, XX/XX/XXXX to explain that I received a second ( 2nd ) notice from my bank about an attempt to withdraw funds. The Chase Bank rep explained he did not see a second attempt in their system. The Chase Bank rep then explained that it is standard for a second attempt for payment to be made and that it is automatic. I asked if this call was being recorded and he indicated that the call was infact being recorded. The Chase Bank rep explained that Chase Bank has an expectation for customers to have funds available when a payment is made. The rep explained I signed a disclosure agreement that a payment will be attempted twice. 

I explained to the Chase Bank rep that as a customer, I too, have an expectation for the payment to take place on the date that I requested. After the Chase Bank rep said he is aware of my original complaint and wanted to know why I was calling again today. I kindly explained to the rep that I had received a second ( 2nd ) notice from my bank of another NSF {$35.00} fee on XX/XX/XXXX. The Chase Bank rep stated that I should forward the  complaint to them so they could determine if a refund is required. 

I am now out of {$70.00} in NSF fees due to two ( 2 ) separate erroneous attempts to take a {$450.00} payment on my car ( XX/XX/XXXX and XX/XX/XXXX ). I have been disparaged twice now  from these Chase Bank reps as they explain to me company policy. I'm not sure what to do at this point. I haven't even received a response from the first error. 

Additionally, I requested to have all my financial information removed from their computer systems. I can't afford to have Chase Bank in possession of my banking information. It literally is not cost effective. 

I am literally out of ideas on how to deal with Chase Bank. I don't think they have a clear concept of First Call Resolution or Customer Centricity. I believe they desire to take care of their customers. I also believe they have many concerns internally that need immediate attention.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (LA)

I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (GA)

XXXX of XXXX, I purchased a XXXXXXXX XXXX  XXXX which costed XXXX and the interest rate of 26 %, which ended up being around XXXX. In XXXX a dear hit my car, and after the process, of my insurance claim, the car was a total lost, my insurance did there part, paid for the car, and I received a receipt from the lending company stating that the loan was paid in full. When I talk to them they did not honor, the fact that the loan was paid in full, and stating that I still owed on the car. Thats why today Im making a complaint because Im out of a car and trying to purchase another, and I would like global lending to honor there receipt of paid in full.