davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MA)

US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (TX)

My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan at XXXX XXXX  was transferred to Loancare LLC for servicing in or about XX/XX/2021. Since then, Loancare LLC has refused to credit my payments to my loan, and has instead been misappropriating the funds and claiming that the loan is delinquent. I have spoken to customer service agents at least 5 times and sent a letter by US mail asking Loancare to apply the payments I have made in XXXX, XXXX, and XX/XX/2021. The phone service representatives claim a " mistake '' was made and that it will be fixed and the payments will be correctly applied. But this has been going on for months with no resolution - nothing is ever fixed, and Loancare continues to keep my payments without crediting them to the interest and principal of the loan despite my frequent express directions via telephone and via letter to credit them appropriately. Loancare also stopped sending me monthly statements by mail or online, apparently in an effort to conceal its fraudulent scheme. This company is a scam.
Consumer complaint received 2016-06-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TN)

This is a follow up, with additional information, to Case number : XXXX In the original complaint, I stated that I was reapplying for the line of credit ( per US Bank 's instructions ), so that my interest rate would be based on the correct credit score. However, I received a piece of mail from US Bank today reflecting the credit score used for the reapplication. It reflected it at XXXX credit score as of XXXX/XXXX/16. However, I now have proof from XXXX that my credit score was XXXX as of XXXX/XXXX/16. While I was trying to give them the benefit of the doubt in the first place, it now seems that they 're systematically shaving XXXX points off my credit score prior to determining the rate. This is absolutely ridiculous, and I 've now spent hours on the phone trying to get some resolution. US Bank barely even seems to be able to understand the problem, let along who can or how to fix it. Please see attached documents.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

I purchased a home on XXXX XXXX, 2016. I prepaid {$1100.00} in interest for the month of XXXX to the originator ( Bank XXXX ) as part of closing ( found on the XXXX. ) The mortgage was then sold to another bank ( Bank XXXX ) on XXXX XXXX, 2016. Bank XXXX only reported ( on the XXXX ) the interest paid between XXXX XXXX and XXXX XXXX, 2016. Bank XXXX only reported interest paid between XXXX XXXX and XXXX XXXX, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank XXXX - which has an impact on my taxes. 
Bank XXXX stated that they are n't responsible for any prepaid interest made prior to their purchase. Bank XXXX stated that they only report the interest paid/applied while they owned the loan. Both are adamant that what they reported is accurate. If that money did n't go towards interest, where did it go and why is the consumer ( me, and I imagine many others ) getting XXXX out of the reported interest paid on the loan due to a mortgage transfer?
Consumer complaint received 2016-12-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP (IL)

1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MO)

I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OR)

US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AR)

Tried accessing my free reports on two different sites. Neither one will give me access! One says my info is wrong and the other got to security questions based on info from my report, but the info did not match anything I know to be true. Something is very wrong here. I have had a woman that attempted to use my identity before in 2010, kept me from getting a job and that employer had to run an investigation to prove it was false. I am freaking out here, because the security questions were on the subject of a home loan, credit card and bank card, in which the first two I have never done and the third did not match up to my bank that I have had for some time now.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I was a victim if identity theft and bank account take over from XXXX. I filed on all XXXX credit bureaus a freeze and fraud alert in XXXX. Equifax is trying to tell me the alerts have just been put on there XXXX. Obviously not true. I have a credit report from XXXX that clearly states when the report was put on all XXXX Equifax continues to state the freeze was not put on there until XXXX. Why would I put an alert on there in XXXX when I have n't used credit since XXXX. However, negative inaccurate information keeps popping up from XXXX. I call almost everyday and get told different things and I also keep getting told these negative accounts will be removed on certain days. This keeps getting prolonged. I have the documentation when I began disputing the inaccuracies. The first XXXX was XXXX XXXX, XXXX. I spoke to a woman named XXXX who would not give me her employee number. She again lied and told me the freeze was not on the credit until XXXX. I also provided them with XXXX complete police reports, certified letters sent to the companies that are reporting inaccurately, a notarized FTC statement along with a letter. According to the fair credit reporting act, negative information is supposed to be blocked out when proof is provided that is is the result of identity theft. I have spoken to the Attorney General and FTC. They have told me that Equifax is not in compliance and based on the statue could be held negligent for not removing and blocking the information. Evidently, this company has not responded in over 30 days. I have been made to wait almost 90 days and they refuse to delete the item. Any time I send in further evidence, they start a new investigation prolonging the current XXXX. I told them I felt they were doing this intentionally. The representatives lie and are very rude and unwilling to help. I have not utilized credit since XXXX. Equifax is also not following the statues put in place to protect identity theft victims from this sort of thing. Equifax has blocked me out of reviewing the status of the disputes and on the telephone, the representative told me I would have to wait for the mail to see what has been updated. I am sending in a complete package with all of the violations and all of the times I requested this to be deleted. You will see it began in the first week of XXXX XXXX. Equifax is intentionally causing these issues. I told them I needed to repair my credit in hopes of qualifying for a housing program for my children and mother. I have been told so many dates that the investigation would be complete. Equifax is lying. With the documents sent, Equifax is supposed to follow the statues. They are not. The bottom line is they are lying and they need to correct my report immediately.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I have disputed the issue with the original credit reporting company and their records do not show negative accounts listed. They told me to place consumer disputes with credit bureaus. In addition XXXX credit bureaus do not show information on negative accounts, yet they are being listed again as open negative accounts through another credit bureau. I have spent much time trying to resolve these issues, so that the XXXX reporting bureaus are accurate and consistent in the information they are reporting about my credit history.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NC)

Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IL)

My credit was compromised and there were some things on my credit report that did not belong to me, I disputed them with the credit bureaus and some things were removed ; however, most things were not. There was a fraud alert placed on my credit report but I have not been able to access my credit report or scores since to see the final results, I need assistance with obtaining my report and scores.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I do not remember but in the past i put in a dispute about my old XXXX XXXX account to XXXX. XXXX i 'm not sure did not give my dispute to the other credit agency 's. XXXX XXXX caused my delquiency they charged my card that had a XXXX balance with a {$1.00} cents fee when i refused to pay it they charge me XXXX late fee. I thought it was a mistake and they will see it and correct it.I did n't understand how they can charge me a {$30.00} late fee when I had a XXXX balance. Another month past and they charged me {$30.00} again making my amount {$60.00} dollars on a XXXX balance and a {$1.00} fee. XXXX XXXX never sent me a letter saying they was going to charge me a card Fee if I knew this I would have close the account or never got a XXXX card in the first place.I feel The credit companies Equifax , XXXX, XXXX never investigated this matter.XXXX have the records demand them to release it to your. XXXX XXXX is doing unfair practices to get money and make people credit bad.I feel this information should not be on my credit since i did not cause the delinquency. Also many companies get my information from Equifax which have wrong information about me on it. Number one they have I worked from XXXX for the XXXX. I worked for XXXX since XXXX to now. Second They have multi same accounts on me. First XXXX/XXXX/XXXX is the same company so that is XXXX card. They have accounts that was open in XXXX still on my credit. I understand the XXXX years on the account, but it is not clear to me, is it from the year the account was open or when the account was close. Also there is a car load request on my account. I have never requested a car loan, I went to a dealership who requested my credit score. But I never signed off on requesting a car loan. Also Equifax have a lot of charge accounts on my report and I do n't. I do n't know what XXXX XXXX XXXX is and XXXX XXXX is a card to pay for reading glasses and other health expensive if I can get rid of the card I would but I need it for health issue if my insurance do n't pay for health issues.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

My mortgage company XXXX is re-aging my debt to extend the length of time it impacts my credit. Our last pay date was in XXXX XXXX and we have been in foreclosure litigation since XXXX XXXX. XXXX is reporting our last pay date as XXXX XXXX and it is keeping us from qualifying to rent a home. I disputed this information with EQUIFAX and they re-affirmed this as correct despite our complaint. We want both the agency to be fined and the mortgage company. I HAVE NOT PAID NOR HAVE I PROMISED TO PAY the mortgage company since XXXX XXXX.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I submitted a complaint via certified mail to Equifax more than one year ago. My Equifax credit report shows the dispute and says it is under investigation. Under the Fair Credit Reporting Act, Equifax had up to 45 days to resolve this dispute. They have yet to update the debt which is hurting my credit.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open