davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
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. (UT)

In XX/XX/XXXX, I noticed that my credit report from Equifax listed an invalid address : XXXX XXXX, XXXX XXXX, UT XXXX I never lived at the address. In fact, the address was invalid with just some numbers. 

On XX/XX/XXXX, I disputed the incorrect address with Equifax. On the same day, Equifax responded ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' A few days later, I checked the Equifax report again and the incorrect address was still listed. I contacted them again. On XX/XX/XXXX, Equifax responded again saying ( Confirmation # XXXX ) : " We have reviewed the former address. This item has been deleted from the credit file. The disputed address has been deleted. '' Although the address was still listed in a fresh copy of the Equifax credit report, I thought it might take some time to drop so waited. After almost two years, I checked my Equifax report again in XX/XX/XXXX, and noticed the invalid address was still listed. After disputing the report again, Equifax responded on XX/XX/XXXX ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' However, after pulling a new Equifax report, the invalid address is still listed. 

This incorrect address is not listed on my credit reports from XXXX or XXXX. My financial institutions also confirmed that they are not reporting that address.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TN)

I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Sunbit, Inc. (FL)

My sunbit credit card is charging me double interest. My payment is due on the XXXX of every month I make my payment however on the XXXX. I generally pay a little more than the minimum payment. So if minimum payment is {$85.00} I pay {$100.00} but then on the XXXX of every month I'm being charged interest again. So example if I pay my bill and my available credit says {$94.00} then 2 days later when I'm charged again it's drops my available limit any where from {$45.00} to {$52.00}. This also does not make sense my interest charges are less when I have a higher balance. The other complaint is I have made extra payments a couple of times such as in XXXX and XXXX but did not get credit for payment because the second payment was to early for the upcoming statement month.
Consumer complaint received 2017-05-30
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. (OH)

Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice.

According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (CA)

Theres is a XXXX  account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with XXXX  and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but XXXX isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet XXXX wont listen
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern : This complaint is in reference to the request to remove the 30-day delinquent marker reporting to this closed CHASE account. As communicated via phone to CHASE Rep AGENT XXXX XXXX  I have personally been affected by the FEMA Declared Texas Severe Winter Storm ( XXXX ) in XXXX and continuing that had rolling power outages and frigid winter temperatures. I personally lost power and shelter for several days and literally didnt even have heat or power to cook food and this placed a significant inability to make my past due payment that was due in XXXX. I literally had no power. Phone battery was dead and laptop as well. For added convenience Im adding the FEMA links here for your view. This was declared an Emergency Declaration by President Joseph R. Biden on XX/XX/2021. 

FEMA : XXXX : XXXX ; XXXX : XXXX I was under COVID-19 Payment assistance that per Chase ended on XX/XX/2021 per the email I received from Chase on Wednesday, XX/XX/2021 @ XXXX XXXX XXXX. on XX/XX/XXXX - CHASE reported a delinquency ( 30 days LATE ) notice to XXXX XXXX XXXX despite this unprecedented natural disaster and state of emergency. 

Lastly, please note now that my power is back and back at home, I made two in good faith payments to get the account current starting on Thursday, XX/XX/XXXX for {$120.00} and {$110.00} on Friday, XX/XX/XXXX totaling {$230.00}. 

As you can easily find by published media outlets this storm disaster was truly unprecedented and displaced millions of people leading to no power or heat. Some even died and were found frozen in their homes. I kindly plead with you to please do the ethically correct action and remove any delinquency markers for the month of XXXX or XXXX given this truly historic & unprecedented situation. 

I have since gotten my account completely current. I eagerly await response from CHASE Cardmember services confirming that any delinquency and negative reporting related my previous past due amount is removed in accordance with the FCBA and due to this FEMA & US President Declared Winter Storm disaster ( XXXX ) that AFFECTED my ability to make payments since I had NO POWER. Please take the ethically correct action. 

I eagerly await a swift written response to this situation.
Consumer complaint received 2023-02-07
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. (IL)

On XX/XX/XXXX, I entered a claim through the Citi Bank mobile app to dispute an excessive charge. In the dispute, I explained that the Hotel had over charged me {$1500.00} instead of {$850.00} which resulted in an overcharge of {$670.00}. The amount of {$670.00} was temporarily reversed, then promptly reinstated without my knowledge on XX/XX/XXXX. 
When called Citi Bank dispute department, I was asked to send evidence supporting my claim, which I sent on XX/XX/XXXX @ XXXX. This email included and explanation, and the receipt I received from the XXXX XXXX showing the correct amount that should have been charged to my card. I then called to follow up the dispute on eight more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, and finally on XX/XX/XXXX. 
Each time I called, I was told as told to either expect a refund within 5-7 business days, wait 7-10 business days or that my case was still pending and that they haven't gotten any updates from the investigations department. I was issued. I was once issued XXXX miles for the inconvenience. During my last conversation with the dispute department, I was told by Citi Bank that I need to go to the merchant directly to get my refund. I spoke to the supervisor, who told me that they can no longer help be because, they longer have the authorization to dispute the amount due to the amount of time that has passed. It's been 5 months since I opened the dispute with no resolution.
Consumer complaint received 2020-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I was laid off due to Corona Virus. As such I proactively called Wells Fargo on XXXX  XXXX and was given a 90 day deferment on my mortgage. I was told that the loan payments would be added to the end of my loan and that I would not be past due or have any negative impact as a result of the deferment. My next payment was not to be due until XXXX XXXX.

Today when I checked my mail I received a statement from Wells Fargo showing I am more than 30 days past due and that I have two mortgage payments due. I called Wells Fargo but they were closed. I was routed to an automated system that recognized that I was past due and instructed me to be enrolled into a COV-19 process that told me " They were here for me '' and could help me but I would have to make up any payments I missed up front before my loan went back to normal. This is not what I agreed to on the phone with the agent earlier in the month. 

Wells Fargo offered me one thing and then changed the offer after I agreed to it without telling me what it was. As a result my credit is going to be impacted and I am being taken advantage of while the entire country is under a stay at home warning. This is predatory and should NOT be allowed.
Consumer complaint received 2015-05-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Google Compare Credit Cards Inc. (MD)

I opened a Google Wallet ( GW ) account and I connected it to a checking account. I received a {$1800.00} payment from a rental tenant and then GW shut down the account and trapped my money inside the account. GW 's reason for shutting down my account was that I violated the terms of the agreement. GW refused to share what actions violated the agreement and they also refused to give me a chance correct or clarify whatever terms I may have violated. GW stated they would refund the money to me in 30 days then and they stated 60 days so I have no confidence that their process is fair ; it is certainly not clear. Also, why does it take 30 or 60 days to refund my money after they close my account? Its my money, not theirs. If they insist on closing accounts unilaterally, they should not hold money that is not theirs.
Consumer complaint received 2021-09-13
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: Red River Collection Company, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-04-26
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX XXXX.- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 11 XXXX XXXX   XXXX Account : XXXX Creditor : 11 XXXX- Account : XXXX Creditor : 12 XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

" XXXX. Research, legal process and requests for information '' on Page XXXX of Chase 's Deposit Account Agreement appears to conflict with Federal Law. The agreement states " If we receive any legal process relating to you or your account, you authorize us to comply with it. " and " We do not have todetermine whether the legal process was validly issued or enforceable. " This is incorrect since Federal Law promulgated by the U.S. Treasury department under 31 CFR Part 212 requires financial institutions whenever they receive a garnishment order or other court judgement ordering action against a customer account to follow a review process to determine whether protected federal benefits are in the account and if so protect them. Chase 's Deposit Agreement is not legally sound because the customer through an agreement with Chase can not waive these federal protections and Chase despite the wording of its agreement must determine whether protected funds are available and whether the order is valid.
Consumer complaint received 2021-09-13
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. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tate and Kirlin Assoc (KY)

I pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. 
I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. 
I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. 

I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Previous complaint number XXXX. 

This was the company 's response to my previous complaint : PRA sent its initial notification letter to you on or about XX/XX/2017. PRA has no record of a response or a dispute being received in relation to its initial notification letter. For assistance, please review the resources available at the Federal Trade Commissions website www.identitytheft.gov. 

So they are saying they have no record of a response of a dispute being received, yet on my previous complain I attached 9 pages that show evidence that I responded. And to make it easier and more evident, my responses where handwritten on all the 9 letters they sent me.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

On the XXXX I ordered an educational book from XXXX through my citibank card. I typically will leave more than enough on my account so that these discrepancies don't occur. I left XXXX on my account.. the issue I'm having is I have recieved my book and the payment was passed but I still have an authorization that will not drop off in a timely matter ( 7 total ) days it is now going to effect my direct deposit when I did everything responsibly fo this to be handled before my deposit.. so my account is XXXX in NEGATIVE. 
when I reached out to the bank they assured me that the authorization would fall off but it's been 9 days and my account has not restored to its positive balance. If the money was taken through a *debit card on the XXXX why is the authorization charge under a different title that is confusing to the bank and myself inregard to XXXX XXXX part. I want my account back to the positive balance it should have which would be alittle over XXXX. It's a shame I have to use my debit card in this way because the banks and merchants have proved to be inconsistent and lack care of personal financial problems we as consumers have to endure.what I would like to be done is my account to go back to is positive balance so that my income is not a effected my a book purchase... I have to provide for my family. There's no reason my account is negative because of a pending charge that citi can't clear away in a timely manner with respect to incoming funds.
Consumer complaint received 2023-02-07
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: Resurgent Capital Services L.P. (NC)

Please note that I do not recognize this account and have asked several times for actual debt validation. I only received statements for this account that I am not aware of. I have placed a fraud alert on my accounts, and reported identity theft. Please be advised I was notified that my information was apart of the XXXX data breach and my personal information has been compromised.