davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I filed a complaint re charge on XX/XX/XXXX. Received letter on XX/XX/XXXX that understand you now recognize the transaction and wish to cancel the fraud case of {$220.00}. This is totally false. Have called several times and told it will be taken care of. To date, it has not been taken care of. Today been on hold for over 1 hour trying to resolve dispute and now trying to cancel card.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this account.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

We have a mortgage wtih Fifth Third Bank. Our taxes and home owners insurance are paid from our escrow account. Our home owners insurance payment was due on XXXX XXXX, 2018 for the amount of {$600.00}. 
Around XXXX XXXX, 2018, we received a letter in the mail from our insurance company stating that our policy coverage was cancelled due to non-payment. On Monday XX/XX/XXXX, I called Fifth Third Bank 's insurance department to notify them of the letter we received. The representative asked for the number to our insurance broker. I was told that insurance companies usually have a grace period and that the premium payment could be sent overnight if needed. I was then instructed to call back on Friday to verify that the problem had been resolved. 
We were unable to call back that Friday but called back Monday XXXX XXXX, 2018. I spoke with the same representative and the payment still hadn't been sent. I was instructed to call our insurance broker for Fifth Third Bank. My husband called the insurance broker on XX/XX/XXXX. The broker told my husband that Fifth Third needed to contact the insurance company. I called Fifth Third 's insurance department that same day and spoke with a different representative. I told him that the insurance broker said that Fifth Third needed to call our insurance company and provided the representative with the insurance company 's phone number. The representative called back later on XX/XX/XXXX and left a voicemail stating that he talked with our insurance company about reinstating our policy, and received the invoice for the premium payment to the insurance company. 
On Thursday XX/XX/XXXX, we received a refund check in the mail from our insurance company for {$600.00}. I contacted our insurance company on XX/XX/XXXX. The customer service representative verified that our policy had been cancelled for non-payment. I inquired about the premium payment and she stated that it had been received beyond the grace period and that the policy couldn't be reinstated. She directed me to call our insurance broker. I called our insurance broker on XX/XX/XXXX for a new insurance policy. On XX/XX/XXXX, I also called Fifth Third Bank 's insurance department and ask to speak with the supervisor to complain about how our insurance was handled. I was told that the supervisor was unavailable at that time. The supervisor called me later and left a voicemail stating that our account was being looked into and that we would be contacted. We haven't heard anything from the supervisor since the voicemail. 
Meanwhile, we have a new insurance company. The coverage began on XX/XX/ 2018 with a premium payment of {$680.00}, a {$77.00} increase from our original insurance payment of {$600.00} that was due on XXXX XXXX, 2018 and was supposed to be paid from our escrow account.
Consumer complaint received 2018-10-02
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: BARCLAYS BANK DELAWARE (KY)

received letter from Barclays XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from XXXX   consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to XXXX   1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had barclay card as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (FL)

Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I dispute all inquires from XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I FID NOT GIVE AUTHORAZATION TO PULL MY CREDIT PLEASE INVESTIGATE AND REMOVE THOSE INQUIRES THX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (VA)

A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. 

I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX, we sold a property and my title company wired the loan payoff funds in the amount of {$200000.00} to my mortgage company on that very day. The loan was not credited until 20 days later, on XX/XX/XXXX by XXXX XXXX XXXX. As a result, my mortgage company is currently reporting my loan as delinquent for the month of XX/XX/XXXX, even though it was paid in full. I have disputed this with my mortgage company and they are blaming their bank, XXXX XXXX for the delay in processing. I have spoken with my Title Company and they provided me with the proof of wire and transaction that shows the money was wired to my lender on XX/XX/XXXX. They also confirmed with their bank, XXXX, that the funds were wired. XXXX XXXX refuses to run a trace on the funds in order for us to determine why there was a 20 day delay in processing the payoff. In the meantime, my credit has been ruined because of the 30-day late currently being reported by my lender. I am a XXXX XXXX XXXX and having a blemish on my credit report because of another agency 's negligence is very unfair and can prevent me from being able to secure funding in the future.
Consumer complaint received 2018-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have been making payments on this student loan from Navient ( originally taken out from Sallie Mae ) since 2010, every payment on time and for the correct amount. I have been enrolling in a Rate Reduction Plan as long as I have been able to, since I have almost always made under {$13.00} an hour and can not afford the ridiculous amount of money they expect a person to pay. I also have other student loans that are not private from other companies. I am a XXXX year old adult, who works full time, sometimes two jobs, in order to live. I have rent and other bills like any other person does. Navient had sent me an e-mail in XX/XX/XXXX that my rate reduction plan was ending and to contact them. I called and gave someone all my information, and I was told the computer would not accept it, because it was too soon and I still had scheduled payments, and to call back closer to XX/XX/XXXX. So I called again in XX/XX/XXXX, and was told the same thing, the computer would not allow her to do it, but she didn't know why, and to call in XX/XX/XXXX. I spoke to someone else today, XX/XX/XXXX, and I was told I could not enroll in this plan any longer, they did not know why, but I can not do it. He said they look at my credit history and other things, and I can use my 4 months of forbearance, or temporarily do interest only payments, but both options are only temporary and since I am not experiencing a specific hardship there is nothing they can do to help me. I however make only {$12.00} an hour, and work full time, and make under XXXX a year. I always pay my bills on time, and am financially responsible with the money that I do make, and it's seeming to get me into more trouble rather than helping me in this instance. I don't know what other options I have if I just do not have the extra {$400.00} dollars a month to pay them. That could be rent for an entire second apartment. I also have other student loans that equal around {$100.00}. I would like to be able to make payments on this loan, however they are not willing to work with my financial ability. I don't know what else to do. I am not able to get ahead, save up any money, or do anything for my own future. Please help me!
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

XXXX XXXX has called my phone with an Unkown caller-id mask dozens of times in the past 5 days. Their " Unkown '' number status is ranked with the likes of IRS scams, retail scams, and worse in apps such as XXXX and XXXX XXXX and they have absolutely no ground to hold any client responsible for missing or outright ignoring them. 

In order to determine who was calling me dozens of times, I had to purchase a subscription to XXXX ( a mobile app that allows unmasking of Unkown caller ids ). 

They called about a bounced payment which did not reflect on my consumer web app, nor my bank account, which lead even more into the belief that this series of unrelenting calls was a scam.
Consumer complaint received 2018-10-02
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$3000.00} XXXX   {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX XXXX XXXX OF XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc (TX)

AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.
Consumer complaint received 2018-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday XX/XX/2018, I transferred a XXXX payment of {$120.00} to someone that I thought was a friend but found out it was the wrong person. I called my bank to see if there was a way that I could cancel the transaction since it still showed as " processing '' on my mobile Bank of America app. When I spoke to the representative from Bank of America, I was told that it was too late for Bank of America to do anything and that since it was through a third party ( XXXX ), I would have to contact them directly. The representative then told me XXXX was closed and I wouldn't be able to talk to anyone until Tuesday since Monday is a holiday. I then hung up with Bank of America and called XXXX for myself. I was directed back to Bank of America since the transaction was done through the Bank of America mobile app and not the XXXX app.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (CA)

This debt collector is attempting to collect on a debt that is not only over XXXX XXXX XXXX, but I am not liable for it in accordance to Nevada 's protections for XXXX XXXX XXXX Victims. 

In 2011 I had to move out of this apartment I shared with my then fiance. I was a victim of XXXX XXXX and had to leave the state for my safety. In accordance with Under Nevada landlord-tenant law, ( Nev. Rev. Stat. Ann. 118A.345, 118A.347, 118A.510 ) I have the right to break a lease agreement if I've been a victim of XXXX  XXXX. 

I exercised my right, obtain an order of protection, notified the landlord and moved right away. I never knew about this debt, until it recently popped up on my credit report.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (IL)

So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!
Consumer complaint received 2018-09-17
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. (TN)

2 XXXX XXXX XXXX accounts are still showing on my equifax credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. Equifax has yet to remove them.