davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (ME)

I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

Firstly I had an account with US Bank for 2 yrs during my college. When I went out of the country there were a couple of overdrafts which were paid off as soon as I came back and my account was fine for a year. After 2yrs, when I reached out to a nearby bank to deposit money I was told my account was closed and I would receive a cashier cheque through the mail which was told to me when I went to the bank a week ago. It 's been more than a month and I have n't received any mail from the bank and when I try to call the people at the bank they try to avoid me by not picking my calls and I persistently keep calling them and put voicemails which never get answered. If this is the kind of business US Bank wants to do I really want to complain about this. 
Information : Debit Card Account Number : XXXX
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Tried to contact " customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (NJ)

I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (SC)

We are currently 24 days past the due date of XXXX/XXXX/2016 on our auto loan. In the life of the loan, we have been late but have never been more than 30 days late. This morning I have received phone calls at XXXX XXXX., XXXX XXXX. and XXXX XXXX - all of which have been while I 'm at work. This does n't include any calls that were possibly made to my husband 's phone as well. When I mentioned on the third call the amount of calls and this being harassment, I was informed they could call up to 5 times a day between XXXX XXXX. and XXXX XXXX We understand we are late on the payment and are incurring late fees, but we take full responsibility for that and will get it paid before it hits 30 days past the due date. We just want the amount of calls to be lessened.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group (IN)

Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERIS BANCORP (CA)

I opened my Ameris Bank account at the XXXX XXXX location on XX/XX/21 in person with XXXX XXXX Assistant Branch Manager. From that point on, I was never able to access my bank account online to verify what funds were available despite visiting numerous branches all over the city to attempt to take care of this in person. I spoke to XXXX XXXX, VP Branch/Biz Manager at the XXXX branch , XXXX XXXX , VP, Branch Manager also at the XXXX XXXX branch , someone at the XXXX branch and elsewhere too, and finally closed my account with XXXX XXXX XXXX XXXX XXXX branch . 

Due to never being able to access my bank account online to know my balance and with the understanding I had opted out of overdraft protection, I believed I wasn't being allowed to use my money beyond what was in my account. 

Imagine my horror when I realized the bank had decided to charge me {$400.00} worth of overdraft charges when I finally received all my mail. I moved a lot while living in XXXX  for reasons beyond my control and this was a huge financial setback leading me to leave XXXX completely after closing the bank account. 

I continued to receive delayed bank statements and other bank information long past the time it was relevant leading me to believe that it is unfair that I should have been charged such high fees when I tried NUMEROUS times in person to correct this and asked them to opt me out of any and all overdraft options numerous times. 

I am not happy and will never refer anyone to this bank because their online banking is the worst. I would change my passwords, my login info and it never mattered. Nothing I used would work to access the account. Even when I called it was nothing but a hassle. 

I don't think I should have to pay that much money when I tried every way I could to prevent it from happening and they did nothing to protect my account. 

I even opened another personal account thinking that if my money went there, I would avoid overdraft fees because I have NEVER agreed to opt in and when you review the application and account information you will see the people who helped me never checked that off preventing it from happening. 

I believe they're running a showdy operation and take unfair advantage of people because we don't have access to the backend to know whether or not our personal requests have been activated. 

In addition, I was never told that the biz account wasn't closed down and money continued to be sent there when it shouldn't have. As a result, they continually took money from me for fees. I AM NOT HAPPY ABOUT THIS AND THINK THEY NEED TO BE INVESTIGATED.
Consumer complaint received 2019-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (OR)

I visited KeyBank 's physical branch location at XXXX XXXX XXXX, XXXX, OR XXXX in XX/XX/2017 to close my checking account with them. I met with XXXX XXXX, Branch Manager, who assured me my account would be closed. 

A week or so later, I received a cashier 's check from KeyBank, also from the same branch I visited, so I figured my account was formally closed, and I deposited the official check into my account at another institution via mobile deposit and considered it done. 

Despite the fact I was told by KeyBank 's employees, and I even received a cashier 's check for closing my account out, I have a negative mark on my XXXX XXXX XXXX report. 

Also : I'd like this made aware of to XXXX XXXX, " Vice President, '' " Senior Initiative Development Manager '' at KeyBank. I don't care for a response from her, but she needs to understand the malfeasance of her prior market.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I am sending this complaint in order that I can get a straight answer from Ally so that we may close this matter. I leased a truck from XXXX XXXX XXXX, in XXXX MI the lease ended in XXXX 2014 when I took the truck back at the end of the lease which was XXXX XXXX, 2014 it was inspected and pictured was taken but when we got the report back from Ally it stated that there were holes in the rear bumper which was not true, we have been desputing this sence then now they tell that they have review our dispute and it was denied on XX/XX/XXXX but we never got notification of that, several customer service reps have told us that they do not notify you of denial in writing we should have gotten a call from the customer service rep that took the complaint but we did not and I keep telling them that I never got a call, then they said I should have called them. The dealership said that the truck never went back to Ally, the used car sales manager purchased the truck and sold it two days later, and we should not be responsible for any repairs, because Ally did not do any repairs never put their hands on the truck. Every time I speak to an Ally customer service rep I get a different response, I feel that Ally is trying to squeeze money out of every customer they had, because they are mad that XXXX has their own finance company now and will not be dealing with them anymore, I also know that Ally is a part of General Moters ( part of my tax dollars bailed them out ) thanks
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

My vehicle was paid in full with Ally. I have been trying to remove Ally as a lien holder in the state of CA. CA has been unable to remove Ally as a lienholder because Ally has not provided a lien release. I made several requests for this document and even contacted the Executive 's department. I have been trying to make contact with someone for over 3 months. The latest person was an XXXX. I have called multiple customer service lines, spoke to several managers, and no one is sending my lien release. They even stated I needed to have XXXX make request for lien release. I had XXXX call to make request and I still did not receive a lien release. I can not register my vehicle in CA with a clean title, I can not sell my vehicle, I can not do anything with my vehicle because Ally refuses to provide a copy of lien release.
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armcon Corp (CA)

A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca
Consumer complaint received 2017-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc. (NJ)

while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Between  XXXX  and  XXXX    XXXX   I mad e five calls  to Navient customer service attempting to set up a loan repayment plan. Each time I asked about income based repayment I was told I would be transferred to the appropriate person but was transferred to the collections department. They would then tell me I was ineligible for income based repayment unless I was in collections. I would call back and get different information from another representative telling me I could apply but not until  XXXX . In  XXXX  I again was sent t o the collections department three times and spoke to at least six people about a repayment plan that was not > {$300.00} per month. I was fina lly able to set up an income based repayment plan and was told that my monthly payment would cover interest only and would be {$130.00} per month. Since repayment began in  XXXX  my monthly amount has increased twice, going up by {$10.00} in a few months. I was informed that my payment would be the same each mo nth for two years. I do not want to try again with Navient because it is   extremely aggravating to call and get sent to various people, none of whom give the same information. I can not afford for my payment to continue increasing by unknown amounts each month. I began this repayment plan to avoid exactly what 's happening.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Hewitt-Capital (MO)

I received a call telling me that XXXX XXXX '' needed to confirm that I was going to home on Tuesday with ID to sign for a package. I asked who it was from he said HC XXXX. I explained that I did not want the package because I am not familiar with the sender. He then told me that he would forward through dispatch to the client who is sending it so that I can verify. I then was put on the phone with a gentleman telling me that a company was filing against me in XXXX County and he needed to send the me the documents. I advised him that I could not commit to be home during any 4 hour window on any day as I keep a busy schedule. HE then told me that he would advise XXXX County that I am a skip and they can deal with finding me. I said no problem sir, but for the record, your false legal jargon needs some updating because when a person is being sued, they are notified by the court so they do n't need your documents. Good Day! I called the XXXX County Courthouse and they advised me that they had no lawsuit pending AND that if a suit is filed and a court date issued they will provide me with the paperwork via certified mail or deputy service. Anyone who gets a call from these people, write it down because this process they are using will hurt them in court! I tried to call the number back to the so called courier service and no one would answer. Then I tried from my home phone an still no answer. Low and behold they called back and the name on the caller ID said " Hewitt Capital ''. I am assuming that this is what the HC in HC XXXX stands for. I guess they either own XXXX XXXX or they were ( and I am sure this is it because according to the real company XXXX XXXX whose number I found online, they are not affiliated ) misrepresenting themselves in order to try and collect a debt. I felt threatened, the conversation made no sense because I initially though he was telling my that I was being sued by the county that I live in. I called my country courthouse and they stated that there was no pending action against me for this company and that they would have served any papers to me. This man made me think I was suppose to be in court next week!! Gave a XXXX XXXX in the middle of lunch with my toddler, thought I was going to have to go to the hospital!
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

After viewing my credit report on XXXX XXXX, I see that there are XXXX inquiries from XXXX XXXX. I agree with the inquiry on XXXX XXXX, but I am asking for the XXXX XXXX inquiry to be removed, it should not be XXXX inquiries on my credit report from XXXX XXXX. I did not apply for the card until XXXX, which you can see on my credit report that is the same time the agency started reporting on my credit report. That is not fair or correct to have the XXXX inquiries. It should be just XXXX.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX XXXX submitted a report for delinquent payments on a vehicle that was order by the court in Texas to be a sole responsibility of my Ex Spouse. Which is damaging my credit and hindering me from being able to purchase a home through VA. Requesting what can I do to have these delinquencies removed and no more added to my report.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (FL)

I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. 

I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. 

I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. 

It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. 

I have attached two files from 2019. It will show what was on my credit reports and what Equifax updated it to.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.