davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable.
Consumer complaint received 2016-06-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a XXXX and an approved XXXX. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit.
Consumer complaint received 2016-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OR)

ten years ago took out a second loan on my house filed bankrupcy 3 yra later tryed to refie wes told didnt owe second stoped paying it. six mounths later was sent late notice i now spent 2 years trying to find out if i realy owed it
Consumer complaint received 2016-06-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. XXXX
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

Dear Madam/Sir, I received a credit card from Coamerica Bank. Before using I called customer service to get approval. They now have cancelled my card. Please help me. 
I am faxing my support documents of XXXX pages @ fax # XX/XX/XXXX. Thanks for looking into my issue. 

Very Sincerely, XXXX XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this property.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

i am XXXX XXXX. i have recently tried to get some info.from equifax and they asked me XXXX or XXXX questions pertaining to my past addressess etc ... and i responded to them none of the above because none of the options of questions contain anything true about me, so they sent a message that said we can not verify your identity because XXXX of the selections you answered are revelant to you.i had good credit when i applied for a XXXX XXXX XXXX credit card iwas granted one .at that time my good credit was found out about i think and they must have gotten all kinds of credit cards and mortages car loans etc ... i assume and all the bad debt about it all is showing up mostly in equifax.please investigate this fraudulent concern and law violations because they XXXX when you a debtor you relatives and identity theft thier monies pensions real-estate deprive debt heirs thier inheritence etc.. and this time they did it real bad.it is possibel that equifax is corrupt also by them you check it out because it 's the right thing to do.thank you, XXXX
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

Equifax reports me as being late on an XXXX XXXX XXXX Account XXXX. Once in XXXX of 2016 and again in XXXX 2016. XXXX never reported me being late and Equifax has failed to verify and correct but has not done so in 60 days.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Consumer complaint received 2022-06-09
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: JPMORGAN CHASE & CO. (AZ)

Chase Credit Card Services sent me a letter stating I owed them {$32000.00} for a card with the ending number XXXX ( the complete number is XXXX XXXX XXXX XXXX ) on XXXX XXXX. 

I called them and sent a letter asking for proof that this was my account and/or I had signed for this card. Their fraud division sent me a letter stating that they had investigated and " WE CONFIRMED YOU'RE RESPONSIBLE FOR THIS CREDIT CARD ACCOUNT '' without providing any documentation. 

I called again and they referred my to the branch location in the XXXXXXXX XXXX XXXXXXXX XXXX, AZ. When I called the branch I was informed they had no record of credit card information and suggested I call Credit Card Services which I did. They referred me to the Fraud Division but when I did they told me to call them branch. The old runaround. 

They have added this to my credit rating which makes me a bad credit risk and will do nothing to rectify this matter.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CO)

This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the erroneous account ( XXXX XXXX XXXX ) in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Please refer to case number : XXXX for background. 

I was assaulted and had my wallet stolen. One of the thieves ran up charges on my Best Buy Citi Visa card. 

This is the worst credit card I've ever owned in my life, and I can not wait to dump it once this gets resolved. 

That month, I paid off more than my entire interest bearing balance less the fraudulent charges. 

I was assessed {$15.00} in interest that month, because the citi had not removed the fraudulent charges from my account. Because of that, I was carrying an interest bearing balance for the month. However, if you reduced the interest bearing amount by the fraudulent amount, then I actually paid more than what I owed for interest bearing purchases. 

Fast forward to today, I received a letter stating that they determined the charges were fraudulent and they refunded the fraudulent amount ; however, they never refunded the interest. 

The assault happened on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated calls and time wasted, the money is still not refunded.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

I have XXXX credit inquires on my credit report with equifax from some unknown company called XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I did not authorize these inquires. Please remove immediately.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I filed a Chapter XXXX bankruptcy on XXXX XXXX, XXXX. I then withdrew the filing on XXXX XXXX, XXXX without prejudice, this was based on legal advise and absolutely no creditors were affected due to XXXX liabilities filed against any creditors. The court on XXXX XXXX, XXXX then dismissed/closed my filing and recorded as such. Now that 7 years have since lapsed since the filing, I was fully expecting this negatives/adverse action to be removed/purged from my credit report as of XXXX XXXX, XXXX. Upon speaking with a supervisor at Equifax , I was told that because I failed to go through with the bankruptcy and have a court appointed trustee oversee my filing, and because the record does not use the word, " discharged '' in the court recording, they refused to remove the negative/adverse action for up to 10 years, not 7 years. I am being penalized for not XXXX my creditors and making full payment to all creditors at the time of withdrawing the bankruptcy complaint, which is totally ridiculous to think that just because I initially filed for bankruptcy, but withdrew it, and made good on my debts, now I have a additional 3 years to be penalized by a credit reporting agency. Therefore I am seeking your assistance in resolving this matter favorably in my case of total dissatisfaction with the credit agencies.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (IN)

The Indiana Department of Revenue contacted me recently, claiming that I may owe back taxes from 2011. However, I was a resident of another state that year, and paid my taxes there in full and on time. I wrote back with a letter attesting to this fact, with my state tax return attached. Although I responded before the indicated deadline, my response has been mostly ignored. Instead, I received XXXX subsequent letters within about a month, demanding payment as part of a tax amnesty program by XXXX XXXX. Otherwise, I was warned that I would be subject to double penalties, civil, and criminal liabilities. Subsequent calls to the Indiana DOR after each letter acknowledged the receipt of my original response. However, it has gone unread to date, and thus failed to affect these collection efforts. 

I recently learned that XXXX letters like the ones I received were sent out to innocent people. Indiana 's government contracted with Navient Corporation, and agreed to pay them based on how much money they bring in : XXXX
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I have contacted XXXX XXXX several times about a debt being reported for collections and received no answer from them. They will not confirm where or how this debt was originated and whether or not I actually owe it, but it 's still listed as being for collection on my credit report.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OR)

I first requested a credit report thru your website since XXXX 2016. Equifax say they do n't understand my request I guess they have never seen your forms before. They are liars cheats and theives, XXXX. Today for the third time I am sending them clear, legible identification exactly the ones they asked for in XXXX in XXXX. Equifax is playing fast and loose with the law with the intent to profit from the bargain of selling peoples information. Credit bureaus can and have been sued. Now that the XXXX liberals are out of office and the credit bureau should take heed and start to comply with federal law.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM EQUIFAX, XXXX AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX XXXXXXXXXXXX
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (UT)

My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (MA)

this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.
Consumer complaint received 2016-08-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

I am a recent graduate who just obtained her first job. I got hit with a bill for {$1200.00} student loan payment per month from Navient. The interest rates on the private loans I have with them range from 8-9 %, and they have limited options for help. I called crying multiple times, I CAN NOT pay this much in student loans. Is it necessary to have interest rates at 8-9 %? I have NO quality of life because of my student loans, and I also have federal student loans. I am on an income based repayment program for my federal loans which is doable, but does n't take into account the absurd amount of money I have to pay out to Navient each month. It should be illegal to corrupt recent grads like this! They told me " well, we have to make money too ''. 8-9 % interest?! that 's more than a mortgage! Thats corruption if you ask me. Oh, and its a 5 year payment plan. Five years?! I do n't understand how this is okay, and I cry every day over it. I do n't know what to do, who to turn to. Everyone tells me my only option is refinancing, and my parents have tried to refinance their home but got denied from XXXX banks. The only thing Navient told me they can do is get me down to 3 % interest for a year and increase to maximum 15 years but then after a year the interest rate will just climb back up to 8-9 % interest over time. I need help, and this is just corrupt and unjust.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (MI)

I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

1. On XX/XX/2016 I received important Notice that I 'm two months behind on my mortgage payment. I was surprised because my loan is automatic deduction from my account from the bank. I went to US Bank to complained about this situation and I went then several times. They told me I was charged late fee because I was late in payment. 
2 I received another letter for Escrow Shortage Coupon for amount {$350.00} which I paid that amount so I paid same monthly of {$980.00}, but I received three different payment and end up {$980.00} which I 'm still not satisfied, the way she explained to their branch here in XXXX, Wa. So all of these that I complained from unpaid mortgage, late payment and escrow shortage coupon payment nothing happen