davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

I have been enrolled in a Payment Safeguard Program from Citi Bank without my content. I have never enrolled in such program nor agreed to via telephone or written.
Consumer complaint received 2021-11-16
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: CITIZENS FINANCIAL GROUP, INC. (MA)

Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL 3 credit bureaus!.. Ive also noticed a womans name ( XXXX XXXX ) w/ a New York XXXX has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, XXXX XXXX XXXX ~
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (CA)

Lone star cash and i had come to an agreement for totla paymnets of XXXX they are still withdrawing money from my account even when they were paid they now have been paid XXXX cents to date on a XXXX dollar loan that is tribal and illegal. I have now closed my bank account and have paid them more than agreed to. they were to close my accoutn and settle the loan and they are refusing. loan id # : XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (FL)

I believe the account is invalid. JEFFERSON CAPITAL SYSTEM LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
JEFFCAPSYS XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CRED  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2800.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation (MD)

XXXX XXXX XXXX I made a {$4.00} gum purchase to see if the Avant credit card was opened. I paid {$5.00} the same day to pay back through ACH from my bank online setting up the Avant payment. 
XX/XX/2020 it showed my payment on my Avant credit card. 
I called Avant credit card on XXXX XXXX and asked why hasnt the {$5.00} credit been applied to my card as I set everything up and it cleared my bank already so with them showing me a XXXX cent credit it still had my available balance as if I still owed {$4.00}? 
I called and asked about why it wasnt updated the representative explained to me it takes 11 days to post payments to my account? I explained 11 days for a {$5.00} payment that already cleared my account? 
I said close this account because Ive never heard of an ACH payment taking that long to credit back a credit card. They closed my card and stated if there is an annual fee it will be reversed because the card is now closed. 
The next day I get a email showing me now owing {$38.00} and its showing on my credit report? 
I closed this card I didnt have it open for 7 days at all and this company is not practicing proper credit card guidelines. 
I spoke with an attorney that referee me to file this dispute online.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

Received a gift card ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ), and set it with several other gift cards. The cards were not registered a time of receipt and not used for several years. 

Went through online registration at XXXX XX/XX/XXXX and the card showed a balance of {$6.00}. Placed a call to number listed on card XXXX, the same day questioning the reduced balance, as the card had not been used. I was advised that a {$2.00} inactivity fee per month after 12 months inactivity was deducted by U.S. Bank. I questioned this fee as the card did not expire till XX/XX/XXXX and requested they credit the fees. I was told this was not possible. 

I have another {$50.00} ( VISA DEBIT ) {$50.00} ( U.S. Bank Gift Card ) which was stored with the reduced balance card with an expiration date of XX/XX/XXXX and clearly states on back no activity fee. Funds don't expire and card valid thru date on front. Their is no fee for replacing an expired card. 

I would request U.S. Bank refund the {$44.00} charged for inactivity fees. Thanks in Advance for any assistance provided.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America froze my account and told me I couldn't transact on it anymore, despite having outstanding pending transactions, then proceeded to process the items on my account causing it to go negative and then charging me {$35.00} per item for a total of {$170.00}. The bank will not refund the fees nor provide me with an explanation for the closure.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (SC)

On XX/XX/2019 a second dispute letter was sent certified mail to Experian requesting a copy of original consumer contract with my signature to be mailed to my address. The following accounts were remain unverified on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (AZ)

To whom it may concern, RE : XXXX XXXX Credit Card from Barclay 's  Misplaced my credit card statement and made the payment when I was reminded it was 10 days late. 

The outstanding balance they calculated the interest of 26.74 % was the average monthly balance of {$5900.00} not the actual balance of {$3500.00}. 

The payment was also only 10 days late and we were charged {$120.00}, which works out to a real annual charge of {$4600.00} or 130.54 % on an annual basis. 

This is just criminal!
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MARINER FINANCE, LLC (OH)

I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX XXXX  at XXXX XXXX. I spoke to XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/ I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX XXXX. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS  XXXX  XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXX to Tuesday XX/XX/XXXX early morning.
Consumer complaint received 2018-09-21
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: WELLS FARGO & COMPANY (GA)

When reconciling my account at Wells Fargo, I noticed that there were identical charges listed. Scanning back in time I found several duplicate entries. 

I found duplicates on XX/XX/XXXX for two locations, and then on instance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I contact Wells ' customer service and was told the would be 'researching the issue '. They issued a provisional credit to my account, and some weeks late the 'provisional ' nature was removed. 

I'm writing because I believe it's unlikely that my account is the only one in the country having this experience.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

XXXX XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

Listing XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

I, XXXX XXXX, consumer and natural person took out a student loan on XX/XX/XXXX in the amount of {$2000.00}. That amount was consolidated in XX/XX/XXXX. The account is reporting negatively to the consumer reporting agencies.
Consumer complaint received 2021-11-16
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: ENOVA INTERNATIONAL, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Also, please reinvestigate the whole information. Lets fix this immediately. The Bureau is obliged to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my consumer credit reports, I identified an erroneous late payment entry on an account where I have consistently maintained timely payments. Credit reporting agencies play a vital role in disseminating accurate consumer information, and I request a prompt investigation into this matter. I have attached a screenshot highlighting the relevant dates that demonstrate my adherence to the agreed-upon payment schedule. I urge the provision of evidence supporting the reported late payments. If unable to provide proof, I request an immediate update of the late payment status to reflect the accurate disposition as " paid as agreed '' or " OK. '' Please find the attached screenshot for your expeditious review.
Consumer complaint received 2022-12-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BLACK MANN & GRAHAM LLP (TX)

These links has the XXXX IN XXXX XXXX created for this matter : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX UNLAWFUL NOTICE OF SUBSTITUTE TRUSTEE, AND NON JUDICIAL FORECLOSURE SALE ON XX/XX/XXXX FROM XXXX XXXX XXXX, NAMING THEMSELVES XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX AS XXXX XXXX MORTAGAGEE, AND CLIENT, NAMING MERS AS ORIGINAL MORTGAGEE WITHOUT XXXX XXXX WAS ONLY A NOMONIEE, SEE XXXX PAGE TWO NAMING XXXX AS GRANTOR TO SOMETHING ; THERE HAS BEEN NO DOCUMENTATION, NO NOTICES FROM THE ORIGINAL TRUSTEE XXXX XXXX XXXX XXXX ONLY NOTICE IS ENCLOSED ; NOTICE OF ACCELERATED MATURITY AND NOTE OF NON JUDICIAL FORECLOSURE DATED XX/XX/XXXX DELIVERED XX/XX/XXXX, FROM XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX, CC TO XXXX XXXX XXXX XXXX XXXX XXXX ALSO STATES THAT XXXX XXXX IS ONLY LICENSED TO PRACTICE LAW IN STATE OF MASSACHUSETTS AND RHODE ISLAND. XXXX IS PAGE TWO. AS PER THE CLOSURE DISCLOSURE STATES THAT THER IS NO DEMAND FEATURE ; SEE XXXX LETTER FROM XXXX STATING XXXX IS SUBSERVICER FOR XXXX, HAS NOT STATED RELATION TO XXXX, TRANSFERRED TO XXXX FROM XXXX, AND XXXX IS SUBSERVICER TO XXXX, XXXX HAS NO STANDING WHATSOEVER YET THEY ARE NAMED BY XXXX XXXX XXXX ; Furthermore I require a response from BLACK, MANN & GRAHAM, L.L.P that you have recused yourself from this foreclosure action. If no response from BLACK, MANN & GRAHAM, L.L.P has been received within 15 days then this letter will serve as an admission that the Notice of Default was done in error and you agree to rescind the notice. 

IT was also noted that your PC was not operating during the XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2021-11-16
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)

Experian is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.
Consumer complaint received 2021-11-16
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: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I reported the card stolen as soon as we were alerted on XX/XX/XXXX. Citibank did not do a thorough investigation and saying that given it was using a chip reader, we made the purchase and not crediting back XXXX XXXX They are saying no one can clone the card and other nonsense. They want us to provide the proof we did not make the purchase. 
I have spent countless hours. There are other charges we legimately bought stuff and make regular payments. This is the first time we are disputing as the card was stolen,. Please help
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I originally sent letter by certified mail receipt XXXX XXXX XXXXrequesting validation and I never received any documentation indicating this debt belongs to me. I sent a follow up letter XX/XX/2021 and didnt receive any reply. Thats past the 30 day time frame permitted to validate debt. Im requesting removal of account. Ive attach documentation that Ive retained for record purposes.
Consumer complaint received 2021-11-16
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: Santander Consumer USA Holdings Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have contacted by certified mail to Equifax, XXXX, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

Equifax Track # XXXX XXXX  Track # XXXX XXXX Track # XXXX