davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I had a property in XXXX, Oregon with a mortgage with XXXX Bank of XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

My report says I have about XXXX differant XXXX XXXX accounts. Wrong. I payed off, all durfing XXXX. I have XXXX XXXX credit card XXXX. Then We have XXXX that I only use, it is XXXX XXXX XXXX. I had XXXX XXXX XXXX, that is paid off and only XXXX.That is XXXX XXXX-XXXX.It was closed XXXX/XXXX/2015. But my XXXX XXXX shows about XXXX XXXX ones. I do not have one.Maybe sonmeone else is using my name. Please help me.Thank you.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CO)

After paying an initial XXXX dollar for my " free credit report '' through Experian, I was secretly enrolled in a monthly service where I was billed XXXX a month starting in XXXX 2016, I NEVER agreed to do this, in fact they automatically enrolled me in the program without letting me know and never sent a single billing statement, they simply begin billing my debit card for that amount. Experian then raised the amount to XXXX in XXXX again without ever letting me know in any way I was paying for anything. Completely unrelated my bank sent me a new debit card as my old was expiring, somehow Experian GOT my new debit card number and began charging XXXX for this secret service I was enrolled for. I called them when I discovered this charge on my checking account on XXXX XXXX, 2016 and immediately called them to get my money back and cancel this account, they only refunded me a single month back and said I was liable for everything before this because I agreed to this. I never agreed to anything like this, their practice of keeping everything to themselves just proves they were manipulating me the entire time. How is this legal or fair? If a private person was billing someone 's debit card without their knowledge or consent that would be credit card fraud! But because they are a credit reporting agency they can get away it? I am not alone, I googled this scam and hundreds of people are being ripped off by it. I filled a fraud complaint with my bank as I think these charges are ridiculous and fraudulent but I want Experian to be held accountable with the federal government.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

My originating mortgage company ( XXXX ) sold my load to LoanCare LLC in XX/XX/2017. I had already made my payment to XXXX for XX/XX/XXXX. When I was informed of the transfer, I called Loancare to make my XX/XX/XXXX payment, At first, they refused to accept payment for XX/XX/XXXX as they were still waiting for paperwork. Once they received the updated paperwork, i called to make the XX/XX/XXXX payment, and they refused to take it, as they wanted XX/XX/XXXX first. I informed them that XX/XX/XXXX was made to XXXX. And that i was paying XX/XX/XXXX. I called in that payment on XX/XX/XXXX, received my confirmation, and the money was withdrawn. They are now sending me threatening notices of delinquency for being 2 months behind. Loancare is a very unprofessional and uneducated company.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- --
Consumer complaint received 2015-08-05
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: N&S Partners (CA)

The first person to contact me was a man pretending to be a process server. He said there was a complaint filed against me. When I checked on line I found no such complaint. When I called the number he left, a woman answered with very abusive and threatening language towards me. She said she was going to sue me and that I was a liar. She yelled for several minutes while I tried to reason with her calmly, but I finally had to hang up because she would n't stop yelling and threatening me.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TN)

U.S Bank is dual tracking. They are trying to give a foreclosure while trying to pursue a modification on out home. They are giving us undo stress. The mortgage company has been unreasonable. I had a change in circumstances and they have acting like they do not care.
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CO)

I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NJ)

I was told the executive office would reach out to me. They have not. When they do it will be by mail I was told. Underwriting told me to apply for another credit card. According to the letter I received I requested reissue of new cards. No, I did not. I requested my card remain open. 
They will not cancel my request to withdraw my closure request. The reasons I was given are not clear. Too many accounts opened in a short time? Which accounts? My leased car? I do not understand why my account was audited if all my payments since XXXX 2016 were more than the minimum. This credit card company gave me no warning. The clerk did not transfer me to a supervisor to discuss options. On XXXX my credit score went up from one they gave me in XXXX. 
No one in this company has an address or phone number for the corporate office.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

I received multiple calls from EdFinancial and they never left any message or sent me any written correspondence regarding the reason for the phone calls. They called me on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. 

I did speak to a representative on XX/XX/22 and they informed me they received my IDR application ( I recertified my income as I've been on IDR plans for awhile now ) and suggested I ask them to cancel my application to keep my payment lower. I was hesitant, but was assured that my recertification wasn't due until next year because of the president 's student loan pause. I received written correspondence that we discussed canceling my IDR application. I have no way of seeing what repayment plans I'm on or recertification due dates in EdFinancial 's portal. I'm completely in the dark it's totally unacceptable. 

I now show a payment due, but never received a statement. I have included a screen shot of the balance claimed that I owe, the fact that there are zero statements available, and all document received in my inbox to date. I shouldn't have a payment due. The president extended relief. Furthermore, how would I have known since I wasn't provided with the minimum appropriate documentation? I just happened to login. 

I believe I'm deliberately being provided with false and misleading information by EdFinancial.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

This complaint is against XXXX XXXX XXXX XXXX XXXX, who practices in XXXX XXXX XXXX XXXX XXXX m XXXX, CA XXXX ( XXXX ) XXXX for falsely reporting for non payment of fees for an appointment that I did not schedule I called the doctor for an appointment of re-unification therapy with my daughter. Before we hanged up, i said, I will call back to confirm after I talk to my employer to see if I can get time off work. I was unable to get time off and hence did not call the doctor to indicate that I was coming as I had told him earlier. Even though I told him that I will call to confirm if I was coming, he still is charging me unfairly for the appointment that I did not attend and also incorrectly reporting to the credit agency to tamper my credit score. I request you to please see if you can help as my rights are compromised incorrectly as it has affected my credit report.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

: Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
Consumer complaint received 2015-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CO)

I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-10
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Duncan Solutions, lnc. (MD)

I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CO)

For the second time in three months, another customer 's credit card payment was made to my account. Both times I notified Elan Financial Services who issued my card. The first time was resolved after considerable hassle. This second time I still have been unable to return the {$1900.00} incorrectly credited to my account. I have used Elan 's secure message service after I log in - giving the date and amount of the improper credit and stressing that this is the second time this has happened with the first one XX/XX/XXXX being resolved. The response took four days and said, " This issue was resolved XX/XX/XXXX. '' I then called repeatedly and had to wait on hold a long time. The first person I talked to said I should talk to a supervisor, but the supervisor never picked up. I called again, waited on hold a long time, and talked to a friendly, professional young man who said he would have a supervisor call me ; but so far that has n't happened. Someone is wondering what happened to their payment. I 'm trying to give it back, and Elan wo n't take it.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (NE)

US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls for this,
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (IL)

My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.