davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (FL)

Elan Financial Services refuses to pay out reward points when I have a statement clearly showing that they are earned and payable. My account was purchased/transferred from XXXX and Elan says they did not get the points. XXXX has no information about the account and will not talk to me. 

The account is registered in my deceased husband 's name and I am his personal representative.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (WA)

This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been made.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (AZ)

I am building a new home through a home builder XXXX. They offer financing but I wanted to shop around. I contact Quicken Loans to see what they can offer and the person I spoke with was very nice. After the app I was sent a intent to proceed that I had to sign and give my credit card info. I did not want to give my credit card number but was told that if I do n't I can not proceed. I was assured by the loan rep that it will not be charged unless I cancel and Quicken Loans has already done/ordered the appraisal. Well XXXX3 week later Quicken Loans changed the loan structure without discussing with me. They changed the down payment, monthly payment, and terms without discussing with me. I called and e-mailed but no response so I cancelled the loan with them. They immediately charged my card {$500.00} for fees incurred. When I asked why they said for appraisal fees and credit fees. This is a new construction loan and the home had not even broke ground yet. I have called over 6 times to request a refund since there is nothing in writing about the fees and each person I speak with there says I need to call someone else to discuss the issue. I sent over XXXX e-mails also with no response back from the loan rep. Quicken finally refunded XXXX of the XXXX but will not refund the remaining or give me a reason for the charge or copies if the doc that I signed that gives them authorization to charge me that.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

I made a purchase about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.
Consumer complaint received 2016-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

I have been behind in my mortgage 2 - 3 months on occasion due to lack of income. I have several times requested loss mitigation help. I just need to have 1 or 2 payments deferred to the end of the loan so I can get caught up with my loan payments. They will not help me. I 'm not sure why they would not help me and just want me to continue to be behind instead of deferring the payments. WHY would they want me to continue to struggle and be behind? I need help and hope you can help me to get back on track with my mortgage payment. 

Thank you XXXX XXXX
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (NY)

XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. 

Thank you,
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (UT)

Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.
Consumer complaint received 2015-05-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (TX)

These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: RFNA, LP (GA)

On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.
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: Capital Accounts, LLC (GA)

In accordance with the Fair Credit act CAPITAL ACCOUNTS LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$170.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I received payments to my account from my insurance company, I spread my money into my different accounts, someone stole my debit card, I disputed the chargers and they were in my favor from the letter I received but the bank closed my account anyway and refused to return the rest of the money that was in my accounts even after I informed them where the money came from and stepped in to many branches and sent in lots of information still havent received my funds
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

We applied for a refinance of our mortgage loan under Harp guidelines with Quicken. They are not our original mortgage lender. We were contacted via email and phone calls at least ten times daily asking for more documentation. We asked repeatedly for a complete list of everything they might possibly need from us so that we could provide it all at once and stop all the interruptions to our work days. We were not only denied that list but told that Quicken did not even have one. We were asked to provide proof of employment for my husband. We provided Quicken with two months of bank statements that clearly show a weekly direct deposit paycheck for him and my husband 's employer also emailed a proof of employment document to Quicken. They refused to accept it as proof of employment. We legally complied with all their requests. As we can not control the format of the proof of employment documentation our employers provide, we had to cancel our HARP refinance of our mortgage. Quicken has unreasonable demands for the loan application process.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (HI)

I have disputed an item twice with Equifax. This item is case # XXXX. XXXX and XXXX removed this item after the investigation. Equifax refuses to remove the item. I have attanched a court look up of the file number and the response from Equifax. I have also contacted the courts to ask about the item, but it does n't exist. Please contact Equifax to have this item removed from my file. This is against my consumer rights and is an illegal act. Thank you.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I submitted a several disputes to Equifax after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They did not block any of the items ( III. A. Blocking Information in Credit Reports under Sections 605B and 623 ( a ) ( 6 ) ), and they continue to report them. I asked for the items to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

I contacted XXXX in regards to my account, to check the status of the pay to delete letter I sent to them. I spoke with agent XXXX from the recovery pay debt department, at that time she told me that my debt was forgiven because the balance only consisted of fees, she also stated that the account would be deleted from all three credit bureaus but she could not tell me when the information would be updated with the credit bureaus. I disputed the info on my credit reports with the info that was provided by XXXX. I received an updated copy of my credit report and it states the info for XXXX XXXX was updated. I called them to inquire about the information XXXX provided to me and the customer service agent ( XXXX ) informed me I was given the wrong information. I asked to speak with a supervisor ( XXXX ) who confirmed that I was given the wrong information because the XXXX is a new employee.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax and XXXX are reporting my Home Equity Line of Credit debt / balance as " Revolving Debt. '' However, they are not reporting my HELOC credit limit as part of " Revolving Credit. '' As a result, my credit report from these agencies shows Revolving Credit Usage exceeding 100 %.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

Creditor : XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to Equifax , XXXX, and XXXX. I have disputed it and Equifax will not provide me any assistance because they say it was verified as accurate. The issue is that I had a credit card and a car loan. Georgia power is duplicating each account to be spiteful because I threatened to sue them. They are reporting the duplicates with different open dates and account numbers. I only have XXXX auto loan and XXXX credit card. In XXXX case, thy use my member # whereas in the other case they use the account number.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Timothy C. Runyan, P.C. (MI)

I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?