davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MD)

I originally had a home mortgage loan with XXXX XXXX XXXX but they transferred the account over to US Bank back on XXXX XXXX, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to XXXX XXXX XXXX before I received correspondence that the loan had been transferred. XXXX XXXX XXXX had sent my payment history over to US Bank at the end of XXXX clearly documenting that my payment was received by them and applied to the account in XXXX for the XXXX payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. US Bank has been very difficult and lack luster in providing good customer service to get this matter resolved. I can never speak to a manager, dates to resolve this case have been given to me since XXXX XXXX, 2016 my first point of contact date with this banking institution. Nothing is getting resolved no matter how many times I call, just more false promises and being tossed around by reps. I get regular phone calls several times a week that are harassing and letters that reflect incorrect information about this account. I do not owe any additional payments because I have never been late. US Bank has not been able to submit the proper recording of information into my file which would make it current. This is the worse experience I have ever had with a bank let alone as a first time homeowner. They have been nothing but difficult, unprofessional, poor communicators and horrible with their customer service skills and problem solving abilities. They have also used me to participate in their backroom banking operations process between banks that I know nothing about or should be involved in at any time. This matter should be resolved between banks not the consumer. US Bank needs to record the XXXX payment that XXXX XXXX XXXX issued them and make the account current.I ca n't understand the confusion if all the documentation is present for US Bank to record.
Consumer complaint received 2015-04-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MA)

In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

After my home was destroyed, I sent a large check to U S Bank Home Mortgage to pay off my mortgage, and asked them to return the remainder to me asap. After paying off the mortgage and after the check had cleared the bank, U S Bank Home Mortgage still insisted on holding the remainder of my money for three more weeks. There was never an escrow account with them, and I can see no reason for them not to return the money to me in a timely manner. The only answer I can get from them is ... .that is their " policy ''. The destroyed home needs to be bulldozed and rebuilt. That is three more weeks for a dangerous structure to stand and attract mice etc. The neighbors need to be considered too. If there was a reason other than " policy '', perhaps I could understand, but there does n't seem to be. There has never been a late payment or any problem caused by me for U S Bank Home Mortgage.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (MN)

My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax reports incorrectly that this account was late 6 times at 30 days.This account is a XXXX XXXX modified account. Equifax fails to report accurate payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

They will not respond to any of my disputes. 
XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

In, XXXX I pulled my credit and found that I had a debt to the Ohio Department of Taxation and XXXX County Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX county courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all XXXX agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed ( but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General Department of Taxation and collection and the XXXX County Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by both agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the XXXX limit for paid tax liens. ( this is now XXXX years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
I gave an auto dealership permission to run acredit check, which I thought would be done XXXX time. However, they placed atlease XXXX hard injuries against my record in a few days. That reduced my pointsconsiderably. I was trying to help a young adult relative to get transportationfor work. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 

XXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 2288984 Ontario Inc. (TX)

I did not apply for a pay day loan. I was defrauded at the XXXX banking instution and closed my accounts due to this non stop fraudulent activity. I was alerted by the credit karma that there was a new item on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX # XXXX is reporting a collection for Money Key # XXXX. I have also been contacted by XXXX XXXX with XXXX XXXX XXXX XXXX stating I owe this money regardless they have the wrong mailing address etc, I asked for tangible documents to be sent to me to file a complaint and he hung up on me. I then contacted XXXX XXXX and spoke with XXXX who stated that they outsourced the collections to XXXX XXXX and that I should ask for a supervisor. I dispute the validity of this collection item and want it closed and removed from my credit files.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AZ)

I have a Wal-Mart credit account with Synchrony Bank. I went on an unpaid medical leave from work in XXXX, 2017, and lost my job in XXXX. I have filed an XXXX claim that is currently in appeal, and I have no income. I 've been making small payments here and there when I can, but with no income, that 's not very frequently. I 've answered their calls and explained my circumstances several times. They 've gone back over old account notes and confirmed my information and situation numerous times. Recently the calls have become harassing and accusatory. They ask why I do n't have a new job, when do I think I might be able to become a productive member of the workforce again, do I have friends or family I can hit up to pay my bills, etc. I 've made it clear that I will resume normal payments as soon as I can, and if they look back over my account they can see I never missed payments while I was employed. They have threatened to send the account to collectors hoping to scare some money out of me. I explain that I understand it 's their job to try to get me to pay, but I ca n't pay with no money and I understand if they have to send the account to collectors. For about a week now, I 've been getting calls from them every few hours every day.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (CA)

Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, if you look at the attached screen shot of my report, they are saying was late two months and that is true. On XXXX, they are reporting XX/XX/2015 30 days late and on XXXX and XXXX they are reporting XX/XX/2015 30 days late.
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (AL)

I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (VA)

On XX/XX/2022 at XXXX, I contacted the National Recovery Agency via phone at : XXXX, after reviewing my credit report and seeing their company listed a Creditor of a collections account for {$500.00}. However, when I called them to get additional information that they could provide about the account, the gentleman who answered the phone was very rude and unprofessional and began to talk over me and did not allow me to ask questions. After a few minutes of asking questions, he then stated he was on a recorded line. When I also advised him that I was recording the call for my protection, he immediately hung up the phone. I immediately called back and a female by the name of " XXXX '' answered and asked if I was XXXX and if I lived in XXXX XXXX, XXXX After I answered and asked if she could give me additional information on the account, she rudely replied, " That's why he hung up on you '' and she hung up the phone as well. When I called back again the same gentleman who I first spoke to answered again and proceeded to hang up the phone yet again. I then called to XXXX and spoke to the representative who stated this company had provided a response for the dispute and verified everything was accurate. When I asked the representative at XXXX to explain their process of verification, she stated they verify with the creditors if the information was correct. I felt this is NOT a fair investigation because of course the CREDITOR will always say it's accurate. These are unacceptable practices by the Credit Bureaus as well as the creditors. They also failed to provide me with any information to verify the medical bill such as a copy of the bill with the date and time that I was supposedly seen at the hospital for verification purposes. I am certain that bill does not belong to me, due to the fact that I have not gone to the ER for ANYTHING within the last seven to eight years. And when I contacted XXXX XXXX XXXX XXXX, phone number : XXXX, the only hospital that I have ever been a patient, they had NO information of me having a collections account or outstanding bill. And when I tried to contact the original creditor XXXX  XXXX XXXX XXXX, they are no longer in business. There should be more protection for consumers. These companies are often times rude and disrespectful. And use scare tactics to bully and threaten consumers into paying for things they do not owe. This is unacceptable and unethical.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I do n't know if I XXXX off Experian or what but they are taking out revenge on me by altering my credit report. ( 1 ) Experian credit report shows XXXX XX/XX/XXXX in good standing, last date use XX/XX/XXXX paid and closed/never late. The XXXX account has been in good standing for over 8 years ( 2 ) Experian credit report shows XXXX XX/XX/XXXX is now a negative remark. The only different between the two reports are first report date and date of credit report and one report says never late. Experian is re-aged and making up XXXX causing this negative account I do n't if Experian is doing out of meanness to hurt my credit score by changing crown diamonds original date making from a good standing account to a negative account, I bought a ring set for my wife never missed a payment and paid it off and never used the account again I am at lost of words of how this gross error could happen in the first place. Re-aged, inaccurate and making changes on my credit report out of thin air are all illegal and serious violation of FCRA laws.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE (NC)

My former fianc, XXXX XXXX, and I applied for a mortgage from Sierra Pacific Mortgage Company XXXX XXXX a California corporation, XXXX ID XXXX. The loan estimate was issued on XX/XX/XXXX16. The loan number we were given was XXXX. The rate was locked and due to expire on XX/XX/XXXX16. I called the mortgage company today and they said that XXXX had asked them to do a different mortgage with just him and that is what they were doing. They refused to give me the appraisal that was part of the loan we were doing together. The loan officer, XXXX XXXX, XXXX XXXX XXXX, wont return my calls. The loan coordinator, XXXX XXXX, said she would call me back and did n't. We own the house together as joint tenants with rights of survivorship. My fianc has no right to put a mortgage on the house without my consent. This mortgage company appears to be doing just that, which is mortgage fraud, according to my attorney. My name is XXXX XXXX and my telephone number is XXXX.