davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (LA)

My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (MI)

i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC (NV)

Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Nelson and Kennard (CA)

I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I just learned there is an unpaid electricity bill that was originally in my daughter 's name along with mine. In XXXX when she moved into her own place I signed in lieu of a big deposit to get her electricity connected. That ( I thought ) was the end of it. She eventually moved out and into another apartment from XXXX/XXXX/XXXX until she moved out in XXXX XXXX ; she then had the electricity transferred in the roommate 's name. Whether when my daughter left, the electric company did n't send the last electric bill, I do not know ( they will not discuss with me now that this is turned over to a collection agency ). The electricity company has now reported me living at her last address ( my residence is 12 yrs 8 months where I am currently ). In addition, this unpaid balance of {$79.00} is now showing as a collection on my credit report. I have reached out to the collection agency ; they are very rude! They are requiring I file a police report of stolen identity since I never lived at the place where this electricity bill originated ... show proof of my residence for the time the electricity was generated at that address. I am literally being instructed to jump through many hoops. I would n't mind just paying the bill just to get rid of it but would it really get rid of it? Wo n't it stay on my credit history as a collection? Why ca n't I just pay the electricity company and ask they call off their collection agency? I personally had my daughter 's mail forwarded when she left that apartment to my residence to avoid things such as these. I believe that was for a time frame of 6 months to a year ; we never saw this bill or any letter informing it was unpaid or going into collections. Can you help me? Thanks!
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WI)

Greetings, I made a deposit at an on-premises ATM for my checking account with US Bank on XX/XX/2017 in amount of {$6600.00}. Checking account has been opened around 30 days ( or less ), but XXXX checks are drawn on US Bank. Customer service informed me that a seven ( 7 ) business day hold is being placed on my account due to Regulation CC. 
XXXX checks are US Bank Checks. XXXX check is my payroll check from XXXX. XXXX check is my business account at US Bank. 
Please, review and advise.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On XXXX XXXX, 2017 I received XXXX pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as XXXX, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of {$89.00} which was all of the fees that I had been charged to date including the {$29.00} annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as XXXX ( employee ID # XXXX ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep XXXX XXXX XXXX had not credited all of the fees and that he would do so right then in the amount of {$4.00} which was the amount of interest charges that was missed by the previous rep.
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I explained to the collector that the energy company had provided me with a refund. All mail was forwarded to my XXXX XXXX XXXX Never received bill. I was willing to pay once the collection agency submitted to me a bill for the requested payment. He assured me that he would. I have received no such information, only a bill presented to me by the collection agency. I feel that an itemized bill is not to much to ask for since I received a refund check but never a bill payment due. 
I am still looking for validation that I owe these monies. I do no think I should pay a bill to anyone who can not present proof of this debt.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CO)

Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WI)

US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax has failed to properly verify information I have disputed multiple times on my credit report and continue to report inaccurate derogatory information. On XXXX XXXX, XXXX, I submitted an online dispute of inquiries I had not authorized. The following is the response I received from Equifax dated the same date of XXXX XXXX, XXXX : " Inquiries are a factual record of file access. '' I requested specifically in a follow up letter that Equifax send me proof that the inquiries are reporting accurately. Equifax has refused to verify that the inquiries are reporting correctly. Their quick vague response speaks volumes. 
The following are the inquiries that were disputed online and sent certified mail : Information Searching Co XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.
Consumer complaint received 2016-06-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MD)

U. S. BANK has increased my monthly mortgage payment, initially without proper explanation. When contacted, they stated the increase was to offset a bill received from our HOA. Our HoA fee is paid directly and is not routed through our mortgage. U.S. Bank agreed to investigate the issue ( via phonecall ) but they have provided no further correspondence. Also, my current statement does not reflect a correction which indicates they have not investigated/resolved the issue. I have confirmed with HOA that our account is current and in fact is in credit for next year. U. S. BANK received my mortgage via a refinance transfer but their current, fallacious increase is causing financial hardship which was supposed to be offset by the refinance. Additionally, interest payment statements were incorrect which resulted in excess federal taxes. U.S. BANK is proving to be a poor steward of our FHA mortgage.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However, even though US Bank is aware of the fact that the levy was invalid, US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NH)

I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CT)

Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.