davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hauge Associates, Inc. (OH)

I have a a unverified account from HAUGE ASSOCIATES. I had previously disputed this account. I have never done business with HAUGE ASSOCIATES. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HAUGE ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HAUGE ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-02-28
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-24
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. (AL)

I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I had originally opened a credit card with Citi ( CitiBusiness Platinum Select ). Around XXXX XXXX XX/XX/2021 I had closed my account. In XX/XX/2021 I received a letter in the mail stating that my account had a balance and was going to be sent to collections. I then called again on XX/XX/XXXX and they refused to acknowledge that I had closed the account, claiming that the bank closed it. They also informed me that the resulting balance was from the annual fee + interest + fees all due to that annual fee. There was Zero balance from charges I made. As I had already closed the account before the annually fee, it should not have a balance. I was told to give them XXXX business days when I called on XX/XX/XXXX. I called again on XX/XX/XXXX and was told to give them XXXX business days. I called again on XX/XX/XXXX and XX/XX/XXXX, and each time I'm told to give them XXXX business days. On XX/XX/XXXX I was also told that if I don't pay the current balance of almost {$300.00} by the XXXX I would incur additional fees... all because they refused to close my account when I originally requested. The annual fee is {$99.00}, for it to incur 200 % in fees and interest for an account I had closed is predatory.
Consumer complaint received 2020-10-06
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: WELLS FARGO & COMPANY (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

These XXXX charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX XXXX XXXX In Opened XX/XX/XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NE)

I opened an account on Saturday with Wells Fargo and after going in to the company to give them my opening deposit and requesting an instant issue debit card I was told that I had to pay them for a charged off account that I had with my parents when I was younger, specifically below the age of majority in my state. After I paid the fee I called to speak with their complaints department as I was blindsided with this information and was then told that I could not get a debit card until I paid them. This entire experience has been horrific and the person I spoke to in the complaints department was beyond apathetic, and sounded very unknowledgeable regarding the situation after having my account pulled up. My case number is XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (AL)

On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO XXXX By now I have attempted numerous times to bring to your attention that Wells Fargo IS in fact IN VIOLATION of the " short term mortgage assistance offer- SECTION B '' where it states that you Wells Fargo '' may NOT impact and report this account as ONGOING SERIES OF LATE PAYMENTS '' ... I have attached the agreement AND credit reports where you CLEARLY violated and keep violating this SECTION B - ALSO, you are reporting the past due balance on this account to the bureaus as {$62000.00} WHICH IS WRONG!! and the actual and accurate amount still due to you as of XXXX XXXX, 2017 is {$34000.00} .... ( see attached statement YOU- wells fargo ) sent me! You have violated section B of the contract and violated Fair Credit Reporting Act rules and regulations by reporting WRONG/INACCURATE/FALCE information to the Credit Bureaus and have been damaging my personal credit rating for 2 years now.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX.  They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services.
Consumer complaint received 2017-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP (PA)

Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.
Consumer complaint received 2018-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications. 
I was requesting account audit - no response. 
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate. 
Creating escrows where Lender is breaching a mortgage note. 
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.
Consumer complaint received 2023-02-28
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: CL Holdings LLC (FL)

Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted XXXX by phone today XXXX/XXXX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is Jefferson Capital.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

Hello, I was a recent Wells Fargo customer, and I moved and changed my contact information and believe that I was impacted by their recent illegal activity for charging incorrect overdraft and insufficient funds fees. My new address and contact information is below. I appreciate your assistance and support! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have contacted Equifax on three occasions asking how I can find out when a particular item will be removed from my report due to age. The other two agencies list dates items will be deleted, Equifax does not.
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. 
Discussion any accommodation would be honored and that teachers can assist me if needed help. 
I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. 
Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. 
STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. 
OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX  to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. 
Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. 

Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. 

Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

I've mailed 3 letters to the company requesting that the debt be validated and/or removed from my credit report ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). The debt has not been validated by the company, or removed.