davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

XXXX XXXX, 2016 On XXXX XXXX, 2016 I met with XXXX XXXX, XXXX, XXXX XXXX XXXX., at US Bank to find out how US Bank could help me find start-up XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needless-to-say, I found XXXX to be very unconcerned about my inquiries, but before I ever had a meeting with XXXX, I had to constantly bug the branch manager and tellers to have him get in touch with me. Finally, on XXXX XXXX, 2016 I received a phone call from XXXX who told me he was at the XXXX, OH branch office, but was about to leave as he had other engagements to attend. I told him I lived right across the road from where he was at and could be there in XXXX minutes and to wait for me. 

I was told by the branch manager which office XXXX was in and as I entered he said " I hear you have been trying to get in touch with me ''. First of all I expected more from a loan specialist. He did not ask me for any documentation, ( business plan, incorporation documentation, EIN, etc. ), nothing. He just asked me what I wanted. I told him I need start-up capital for my business and what and how exactly do I achieve this. He asked me if I was given the US Bank XXXX Business Banking '' brochure that lists their features and benefits and I told him no. So he got up out of his chair and secured me XXXX and told me to read this so I would know what US Bank offered business owners. 

I thanked him, but proceeded with my questions about how my credit score affected my request for a business loan and what does US Bank look for when a request is made because I had been turned down for a US Bank card line-of-credit. I also informed XXXX that I was working with a credit repair company to get my credit scores fixed, but I needed to know the parameters US Bank used to approve or deny credit. XXXX said that US Bank did not deny loans based on the credit score, but used various factors to do so. Again, I asked what the factors are. XXXX 's answers became more ambiguous. He began to draw circles on the desk with his hands saying that the factors could be a number of things but stating nothing specifically only that the FICO credit score was not the main issue. 

Afterwards, I asked XXXX who at the bank makes the decision and he told me the Underwriters at US Bank makes the decisions. I asked him if I could speak with them to find out what factors decided the definitive yes or no to a business loan, and he said no. 

So at that point I saw that I was not going to get any answers that could help me with my business venture as XXXX 's phone alarm kept prompting him to wrap it up and I could see his face getting red ; his hands sweaty and his demeanor very short. If he is the voice for small business support, then I feel US Bank 's decisions on who or who not they are going to help is very bias because it seems there are no parameters in place for making a fair and judicial decision, and this annoys me greatly.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd (NJ)

I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DE)

I have been asking Equifax to remove hard inquiries that are not mine due to fraud. I have even sent them numerous faxes and letters along with police reports. I have been told they were in the process of removing the inquiries. I have been checking and calling everyday for months only to find they still remain on my file. Equifax has just now finally added my bankruptcy that had been discharged since XXXX. They have the wrong info from that. I just do n't know what to do anymore.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I do not owe XXXX XXXX XXXX or XXXX Apartments. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I left the complex and paid my rent in full. There were XXXX instances which the complex was unsafe as direct result of management neglience which caused me to suffer theft of property and put my life in danger due to possible fire. That was the reason I left the complex. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTSTAR MORTGAGE CORPORATION (OR)

I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (IL)

I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.
Consumer complaint received 2015-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (GA)

I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.
Consumer complaint received 2022-10-02
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. (WI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, XXXX and Equifax reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (KS)

On  XXXX   2017 , I paid Barclay card a settlement. I have a confirmation letter confirming receipt of the settlement dated  XXXX   XXXX ,  2017 . As of  XXXX   XXXX ,  2017  the account continues to show unpaid/collections on my  XXXX  credit report. When I conta ct Barclay card  they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections,  despite Barclay car d acknowledging by phone on  XXXX   XXXX ,  2017 , that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again.
Consumer complaint received 2015-11-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MI)

We would like to file a complaint against Citibank Mortgage Company for not verifying that the lien on our home was discharged when they purchased our mortgage in XXXX from XXXX/XXXX ( now XXXX ). XXXX/XXXX bought our mortgage from XXXX in XXXX ( XXXX closed in XXXX ). We would like to include XXXX in our complaint as well. We have contacted Citibank but they they claim it was not their responsibility to ensure the lien was discharged which is ridiculous because why would they purchase something and not make sure they own it. In XXXX Citibank Mortgage sold our mortgage to a XXXX company and our mortgage is being serviced by XXXX. I do n't understand how Citibank can even legally sell our mortgage if do n't own it. In XXXX we decided to refinance with our credit union to pay off our home in 10 years and when they did a title search they discovered two old liens from XXXX which Citibank paid off and they have proof and we have copies of documents confirming this as well. On XXXX XXXX and XXXX, XXXX I faxed information to XXXX requesting help from them but I have not received a response yet. We have tried to get this matter resolved on our own but it has been a frustrating and time consuming journey and no one seems to want to help. We are senior citizens and my husband is a XXXX and we just want to pay off our home but ca n't until these old liens are discharged. Please help us. Thank you.
Consumer complaint received 2021-01-19
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. (MO)

On XX/XX/19, XXXX  Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (SC)

On XXXX XXXX made ach tranfer of {$10000.00} +from a XXXX XXXX savings account to Scottrade bank account. Transfer was done immediately but Scottrade put a 4 business day hold on the funds. Most banks only have a hold for XXXX 2 days. A 4 day hold on funds is allowed by the Fed Reserve but is very unfair to customers who have been with a bank for several years. They get to use that money but customer does not have any access during that time. No one at the bank would even consider reducing the hold time so that I could have access sooner. That to me is not a very good business practice for any one.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.
Consumer complaint received 2016-02-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (MD)

Adverse credit report by Mariner Finance. 

I have a loan with Mariner finance. 

I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. 

The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. 

C. My financial credibility has been damaged by Mariner Finance because of these misleading information. 

D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. 

E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. 

F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. 

Sincerely
Consumer complaint received 2016-10-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
Consumer complaint received 2016-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I called Navient for help with not being able to pay my loan. They offered a forbearance. I took that option thinking things were fine. Navient reported me to the credit agencies which dropped my credit very low. I only found out that they did n't put my account into forbearance after I received a credit rating hit.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ARVEST BANK GROUP, INC. (AR)

I started receiving correspondence from the bank in XXXX 2015 stating that I had overdraft fees. I immediately opened my bank statements online to find out what was happening. I noticed that I had charges from XXXX and XXXX XXXX. I contacted the bank and told them the charges were not authorized and that I did not understand why I was being charged overdraft fees from them for unauthorized charges. They told me to contact the companies and see if I could have the charges reverted back to my account. I was informed that if the companies refunded the charges the overdraft fees would be refunded to my account. On XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX refunded most of the charges. Today I called my bank to have the non sufficient fund charges refunded to my account and was placed on hold several times with the ending result being informed I would have to receive a return call. When the agent, XXXX, returned my call she said she had spoken with her supervisor who informed her to tell me that they would not refund the insufficient overdraft fees because the company had refunded the charges. I do not see how this is fair since this was not my fault. I followed the procedures that I was given my the agent in XX/XX/XXXX. The companies did reimburse. The bank is the one who allowed the charges even though I did not authorize the charges.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

My student loans are repayment and serviced by Navient. Earlier this month, I was late in paying. However I made a payment on XX/XX/2017. Yesterday ( XX/XX/XXXX ), both my mother and friend received letters in the mail from Navient stating that they needed to speak with me about the delinquent account. I never provided Navient with the names or contact information for either of them. Additionally, I never authorized Navient to contact anyone about me. This is an invasion of my privacy. They have no right to contact anyone about my personal financial matters. I demand that they stop this practice and remove any unauthorized information from their system.