davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (DC)

XXXX XXXX from the XXXX XXXX Department within Elan Financial Services " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone XXXX XXXX XXXX XXXXXXXX I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.
Consumer complaint received 2019-12-28
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: Credit Plus Inc (WA)

On XX/XX/2019 I requested a credit report from Credit Plus. Nearly 1 week later I received a 7 page credit report belonging to SOMEONE ELSE! I emailed Credit Plus and did not receive a response.
Consumer complaint received 2019-12-28
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: LEXISNEXIS (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
Consumer complaint received 2019-12-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (FL)

I received multiples calls back to back same phone number within about 10 minute time lapse. I answered thinking it was an emergency of some sort as I have children. Was told it was from a debt collector I took down some info explained I was busy and told them I can contact them at a later time which I intended to and was put in phone with superior who proceeded to talk to me aggressively saying I had to pay today I had no choice but to answer my phone and spoke to me loudly. I told him he was being unprofessional and that I was a busy person he has no right to get aggressive when all I was asking was to give me time to call back when I had a chance and he wasnt giving me he continued to be aggressive to a just got As much info as I could and hung up.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ).

Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (CT)

I have a total of {$340.00} to pay back from the app due tomorrow. The website says they have email and chat support. The app says they have email and chat support. On Monday XX/XX/XXXX I emailed their support team and requested to move the payment from XX/XX/XXXX to XXXX and the auto reply I received back instantly explained there will be a delay in the response, please chat with us if you do not receive a reply in 24-48 hours. I followed-up today with a request to the chat group in the app and they are telling me there is nothing they can do when they failed to follow-up to my first TIMELY email request. The supervisor tried to explain that their support email is no longer offered which is why no one followed-up in time. They are being deceiving because the email does not say that, nor does the website and app advise that.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. 

A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. 

I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (CA)

I apply for a Mortgage Loan, I received Underwriting approval with 3 % down payment on a conventional loan. All of the sudden the bank ( Franklin American ) told me I will need XXXX % down payment. They know I ca n't come out with that money because they have my bank statement. 

I am sure they did not like my loan maybe because of the area i 'm buying my house ( the dont want to lend money on that area ) my income or because the seller lost his house in Federal Court. Or maybe because I am pregnant and somehow they find out that. The Bank ( Franklin American ) allegedly found out the seller had criminal charges that ' why He/She lost the house through court process but what does it has to do with me? Seller/Reciever cancel the deal and I lost my deposit, appraisal fee, re-inspection fee, and I paid for some repairs the bank requested. I have suffered emotionally, financially and physically due to the amount of stress the loan process gave me.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear : Eqifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I have had a Discover Credit Card for over 5 Years. Have always made my payements on time. I recieved an email from Discover stating that my account would be going through a verification and was forwarded to sign a document to confirm my identity with the IRS. I Signed and submitted the document as requested. Discover was informed that my taxes were not filed in 2021. I informed Discover that my taxes was fraudulently filed and going through a process to handle it. Discover stated that I would have to send 3 months of bank statements and provide a notarized letter that they provided to be signed. I submited the requested documents, they then emailed me about a week later stating that I had the incorrect notary form, which was a form that was sent to me by their customer service representative and was emailed the correct form. I contacted Discover about two weeks after to get an update, they stated i would have to wait for an email that i would get after my documentation is reviewed. A month later I still recieved no email from Discover or recieved any phone call. I had to call in to learn that they only had two bank statements when I confirmed with a representative that it was recieved and that an email was sent on XX/XX/XXXX to request the statements again, I recieved no email from them at all. The rep stated that it is nothing that can be done. I find it weird that I get all the other emails from Discover and it was confirmed that my bank statements were recieved then now its that they dont have them. This needs to be corrected, this is my highest card that I have. Discover is horrible for silently closing my account and trying to play games.
Consumer complaint received 2019-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Over the internet I sold property to an unknown individual for USD using PayPal to accept the funds. I have used PayPal before and other online wallets or accounts and understand there sometimes holds or a pending status and felt comfortable of using it. So taking that into account when the unknown individual sent the money I made sure it was in my account but also with no hold or pending status. after feeling comfortable about that and thought the money was mine I sent the property to the individual and had no way of getting it back. about an hour later to my surprise paypal took the money out of my account and sent it back to the buyer claiming it was an unauthorized transaction and they did a " full investigation '' ( within one hour and not one question for me ) I have tried to talk to them with no solution because they wont accept responsibility meanwhile I have a negative balance for months now which is killing my credit score which was perfect before. I will never use paypal again. I can not understand how they can just take your money and send it back at anytime. It was my understanding that money was mine in my account with no hold or pending status. I understand that this was a scam now but the bigger problem is it's going to happen again and again because paypal is facilitating this behavior. So lets just say the account the money was sent from to my account was hacked which is possible but I don't believe it because of the amazing turn around time but lets just say ok that transaction was unauthorized but who should pay for it. ME! no, there has to be some kind of accountability here and I can't account for money unexpectedly coming out of my account any time or any day. But if paypal or any bank or online wallet wants be able to send money back to an account for what ever reason there has to be a status for that money like on hold of pending with a time frame whatever they want it to be whether its a day, month or year. PayPal claims they have fraud protection, that is a joke. I asked about this and was told it was a family and friends transaction which I had no idea. I did not send the money to select that option and did not speak to the buyer about it at all it was a surprise to me. So theirs no fraud protection, just paves the way for fraud. Sounds like XXXX XXXX old ways since there recent admission of guilt that it violated U.S. lawsThe Bank Secrecy Act and anti-fraud statutesby processing hundreds of thousands of transactions for XXXX XXXX agents and others involved in an international consumer fraud scheme and agreed to forfeit {$580.00} XXXX.
Consumer complaint received 2019-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AR)

I sent in a {$5000.00} check. Wrote on the check to principle only. They didn't apply that XXXX to principle only. I called and told them. They told me it was automated that they couldn't do anything about. It was already done. Paying on the computer app and on website do not allow you to only pay principle. This is an evil company.
Consumer complaint received 2015-04-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

Navient and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The Navient and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. Navient and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ... 
Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status? 

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2023-03-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

This is with Citi Accelerate High-Yield Savings Leveled Bonus Offer ( https : //banking.citi.com/cbol/22/Q3_2/r2c/HYSA/default.htm ) When opening this Citi account in XX/XX/XXXX, it was advised that there will be a {$450.00} Cash bonus credit to the account if we put $ XXXX deposit within 20 days after opening and then keep that balance for 60 days. Received email confirmation from Citi about the term and eligibility. I've followed the steps but no credit showed up after waiting for 90 days specified in the term so called Citi support, was told that I should just wait for the credit as it takes time to show up. XXXX of the customer support checked my account and confirmed that I did all my part and should be receiving this cash bonus. An inquiry was logged on XX/XX/XXXX and I was promised to hear back from Citi. Cti customer support issued a XXXX time credit of {$150.00} ( not {$450.00} ) on XX/XX/XXXX but on XX/XX/XXXX this credit was taken back while I still haven not got any update on the inquiry. It has been more than a month of wait since the inquiry was created. On the call I was promised to hear back from Citi within 7 days since XXXX. Overall I have called at 8+ times on this issue and had to go through long wait on the line but there was no progress. 
Now I've lost my confidence with Citi and will be closing this saving account after I finish transferring the fund to my other bank.
Consumer complaint received 2017-05-17
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. (GA)

On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.
Consumer complaint received 2019-12-28
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. (LA)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oklahoma Student Loan Authority (NE)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.