davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (VA)

My parents bought me a XXXX gift card for my graduation on XXXX 2015. A week after they bought it I decided to look at the balance on the card and I discovered that an unauthorized puchase had been done, this left no funds in the card. The card had not left the house and it had n't been used once since it was bought by any of us. Once I learned of this me and my family took a multitude of actions to find a solution to this problem. We sent a fax and email to BankCard Services Disputes and we made multiple phone calls to them as well. On XXXX XXXX we received a letter informing us that they were setting our claim in our favor and they were issuing a credit to the account, the same account they closed because of the unauthorized transaction. A week later I called them to inform them that we had moved and had a new address. I 've called a couple times after that and every time I call I get the same answer : We are going to send you the card, wait about 5 or 6 weeks. We have been waiting for several months and still have no card.
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TN)

I fell behind on my mortgage payments XXXX years ago after losing my job. US Bank Home Mortgage offer loss mitigation at that time. I filed all the paperwork but after XXXX months I contacted my case manager because I had not heard if it been denied or approved. At that time I was told that my application had been lost. I submitted all the paperwork via email so I had proof that it was submitted to my case manager. After re-submitting, it took almost another XXXX months to be told I had been denied. at this point all I wanted to do was resolve this issue and get out of debt. By this time I had another job. I wanted to short sale my home so I submitted all the paperwork for this process. It took another year for this process to even get started. By this time I had already moved out of the house for fear that the mortgage company would come in with " eviction '' papers. after a year of trying to short sale, I was finally told that I was eligible to do this because I showed a positive income. Well of course I would if I had another job and was n't paying a house note. So at this point I am at the mercy of my mortgage company waiting for them to close my case and stop the negative impact to my credit report. I do not recommend anyone using US Bank Home Mortgage and hope they never have to be put through the foreclosure process with them.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub
Consumer complaint received 2016-05-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXX never late PUBLIC FILINGS US XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

To whom this may concern. 

My Equifax report shows two accounts in dispute. I DID NOT request a dispute of these items. These items are VALID. I have called Equifax customer service multiple times and each time was told the investigation would be immediately canceled. It has not been canceled, and as a matter of fact it was completed and then is now in the process of a RE-INVESTIGATION. 

The items I am referring to are below : XXXX Account # XXXX and XXXX Account # XXXX Please let me make this CLEAR. I never disputed these two accounts. They are VALID. I would like any disputes or investigations into these two accounts stopped at once.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

" The Work Number '' provided inaccurate information to an potential employer. I called to report this and they used that same wrong information to attempt to verify my identity. Since I did not know the correct wrong answer, they did not do anything. By refusing to conduct any investigation, they violated the Fair Credit Reporting Act.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I owed XXXX just over {$4300.00} and I paid it in full. I tried multiple times to close the account but they refused to close it. I tried doing it myself on the app and calling them. They refuse to close the account and charged me interest of almost {$70.00} after the card was paid off. They keep trying to access my bank accounts as well. They will not send me a written bill. All I want is to be debt free but these criminals want me to stay in bondage. Let me go Synchrony Bank!
Consumer complaint received 2017-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (LA)

I did not receive a bill for XX/XX/XXXX payment. I did receive an email on XX/XX/XXXX stating I must pay today to avoid late fee. I called and paid with the same checking account I always use and received confirmation # XXXX. On XX/XX/XXXX, I received thank you for your payment by email. Again I receive an email that I 'm going to be late. I check my account ; no payment was taken. I call XXXX at Quicken on XX/XX/XXXX ; I explained the payment did not go through.He said to give him the numbers, I did, he said were done. XX/XX/XXXX I received an email thank you for your payment. XX/XX/XXXX, I 'm late again, I send an email to explain and included a check from the same account. NOW, it 's paid but they want XXXX late payments. They said it 's not their fault, but I have used my routing and account # 's with out a problem with others and no problem. They said they still do not know why both times the payment did not go through. I believe they have an obligation as a financial institution to be held to a higher degree of professionalism. If a Quicken employee can not figure out why the numbers did not work ; I do n't know what else to say. I told them to listen to the recording of the call. Yet they just say I 'm at fault. I 'm not the company that sent two emails thanking a CUSTOMER for your recent payment that was not true, and very confusing. I do not believe Quicken should benefit financially for mistakes that they made.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund check!
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NY)

I recently obtained a mortgage on a parcel of land and an existing house thru Quicken Loans. The land is part of a subdivision and tax information wo n't be available until the next tax roll assessment. Until that assessment is complete, I pay out of pocket to the original owner of all of the parcels, my share of the taxes. What Quicken is doing however is forcing me to make Escrow payments equal to the tax of all of the parcels knowing that the amount is incorrect and significantly overstated. What I am told is that absent having the specific amount for my parcel, they can collect the amount of all of the parcels. And yes they know this is in error and acknowledge that it is in error. That defies all logic.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (OH)

CKS Financial calls me daily. They are calling for someone who is not and has not ever had this number. I have informed them multiple times that they have the incorrect number and to stop calling. they have not for months. 

I have told them i would file a complaint and it did not work. I do not know the person they are calling for.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (MD)

I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in  XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was  XXXX  overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's  collection agent,   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) and in  XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in  XXXX   XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted  XXXX  to find out what happened, I was informed that my account had been sold to   XXXX     XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact  XXXX   XXXX  to resolve this matter and resume my payments but they refused to honor the settlement agreement. In  XXXX , I was contacted by yet another debt collection company,  XXXX   XXXX   XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.
Consumer complaint received 2015-11-24
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (CA)

I HAVE APPLIED FOR A PRE- APPROVAL LETTER AND WAS AWARDED THE AMOUNT I ASKED FOR, BUT I HAVE NOT USED MY LOAN YET, SOMEONE STOLE MY LOAN AND PURCHASED A HOME WITHOUT MY PERMISSION OR CONSENT. THEY USED MY CREDIT TO PURCHASE A HOME, AND THERE IS A MORTGAGE THAT SHOWS ON MY CREDIT REPORT, HOW CAN I REMOVE TI AND WHERE IS THIS HOME SO I CAN REPORT IT TO MORTGAGE FRAUD? THERE IS NO SHARED CREDIT ACCOUNTS.
Consumer complaint received 2016-12-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION (GA)

After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I had these inquiries posted to my credit report. I can provide emails, text messages and names and numbers for people who are told not to submit my credit to banks and went ahead and done it anyway. 


View Report From : Credit Report Provided by Advertiser Disclosure Items For Review Full Credit Report Past Due ( XXXX ) Sent for Collection ( XXXX ) Missed Payments in History ( XXXX ) Remarks on Accounts ( XXXX ) Multiple Recent Inquiries ( XXXX ) No Recent Activity ( XXXX ) Recent Address Change ( XXXX ) Employers Reported ( XXXX ) OverviewAccountsCredit InquiriesCollectionsPublic Records Back to Full Credit Report View Jump to Next Steps The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you 're confused about any of the terms used on this page, read more about the specific data displayed here. 

Sort By : XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 EQUIFAX CONS AFFAI XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SD)

I payed the XXXX XXXX office with my XXXX credit card and they said they never received payment, I have a receipt and they always make you pay the day of service
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered.
Consumer complaint received 2015-08-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (AZ)

Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.