davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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)

There were accounts trying to be opened in my name for US Bank, XXXX  XXXX XXXX and XXXX XXXX. It looks like some of the mail may be fraud.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed Citi Bank Bank {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
Consumer complaint received 2020-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft and I sent a letter to Equifax over 30 days ago on XX/XX/2020 with the unknown accounts and inquries along with police report. Those accounts that was to be investigated and removed are XXXX XXXX  and XXXX. Its also an unknown inquiry showing up on my report from XXXX XXXX XXXX. Equifax never responded to my letter or did they remove these accounts from my credit report and its been longer than 30 days.
Consumer complaint received 2020-05-14
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2018-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

In XX/XX/2013 I was involved in a XXXX XXXX XXXX that resulted in my needing to withdraw from school to handle both XXXX  and XXXX  XXXX. The XXXX XXXX representative I spoke with informed me that medical leaves of absence were covered and I would not face any payment responsibilities while I went through treatments. Within a month XXXX XXXX was calling both myself and my co-signer upwards of 30 times a day demanding immediate payment on my loans. When I explained that I was only temporarily withdrawn from school I was told that, under no circumstances, are medical leaves of absences covered and that payment was due immediately or I would face negative marks to my and my cosigner 's credit. I did not have the ability to pay or return to school so the negative marks were placed. I eventually was able to push for a deferment but was informed that I can only use 12 months for the entire duration of my loans. I was also informed that now my loans do not qualify for six months of no payments. Each time I now go onto any kind of school break ( ie winter or summer breaks ) I am immediately harassed with 30 phone calls a day demanding payments even though I am registered for the following semester and I was told that summer and winter breaks do not count towards not being in school. 

I have provided XXXX XXXX with both medical records and police reports of the XXXX XXXX and I have provided them with records of the people I have spoken with at their company. Managers with their company have informed me that lower level reps do not have the authority to " grant promises '' and therefore they do not have honour what was stated. Mine and my cosigner 's credit scores have suffered because of the less than scrupulous practices of XXXX XXXX. They have shamed me for being a victim of XXXX and made it clear that money is the only priority. Looking back I wish I had never opted to attending university.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (CO)

I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. 

Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kashia Services (NY)

I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Letters, personal documents were sent. As requested. By, a Credit Bureau never. 

Got an answer. Then after talking, to a person at. Credit bureau, said a photo copy of. Drivers license was never delivered. 

After, dispute was completed. Done. On the, phone.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

Care Credit I had a balance of {$3100.00}. Every month i send more then the mim payment. Now they send me a bill for {$1500.00} more! They advised i didnt pay the derred amount by XX/XX/2020? the payments i send they are not applying the derred amount like i was advised they would do. Now they applied {$1500.00} more in interred to the account!

they have has a prior suit for doing this in the past. When i called they were extremly rude and didnt want to hear anythign i said. I asked them where on the Statement does it say they can charge {$1500.00} in back interset? He manager says its the LAW. Its not the Law i understand going foward charging the 26.99 % interest but chraging me {$1500.00} in deferred intrest and charging me 26.99 % each month too thats unreal. wihout any explanation of this on the bills they send monthly. Not sure if anyone can help me.
Consumer complaint received 2020-10-30
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (ID)

There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.
Consumer complaint received 2018-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OH)

I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.
Consumer complaint received 2021-08-11
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. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I've reached out to the collection company " XXXX XXXX XXXX '' on XX/XX/XXXX who stated they were unable to receive the original consumer credit contract from creditor ( Barclays ). I've reached out to all three credit bureaus regarding this matter. I've reached out to Barclays to request the original consumer credit contract. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VALLEY NATIONAL BANCORP (NJ)

My beloved wife XXXX and I went to the XXXX XXXX in XXXX, New Jersey in order to cash a {$76.00} joint income return tax refund check from the State of New Jersey! 

I was told that my wife had to have an account there! I was also told that the State of New Jersey requires a joint bank account in order to cash joint tax return tax refunds! 

I said this is my wife! I was not believed! In effect, I was called a liar! My wife was asked for identification! This was humiliating and embarassing! 

Other customers patiently waited! 

I was told to deposit said check and then fill out a withdrawal slip!

Fifteen minutes went by and finally, XXXX, we received {$76.00} in cash! 

But what do poor people do who have no checking account let alone a joint checking account? 

Ourageous! 

A violation of law and/or public policy!
Consumer complaint received 2019-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Normandy Corporation (MI)

applied for a construction loan with XXXX XXXX  XXXX in XXXX of 2019. On XX/XX/XXXX they sent me an offer that I agreed to. I them sent them over {$900.00} for application fee, and appraisal fee. The appraisal came back on XX/XX/XXXX and Normandy sent me a commitment package and asked me to pay another fee. In that package was a new draw schedule that didnt match the one I agreed to. original draw had an amount of {$40000.00} at closing, now that was reduced to {$13000.00}. this wont work and I would not have agreed and sent them any money. I told them this and they offered to raise my loan amount to give me a larger draw. Payments would then be higher then what i want to pay. All im asking for is my money back, not to mention they have put me behind over a month on finishing me home. I will send copies of both draw schedules.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Consumer complaint received 2018-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

I have had my Wells Fargo dealer services account for over four years and have never been late on a payment. Around XX/XX/XXXX I left the country for a while ( job related ) and prior to leaving payed my monthly bill as well as set up an auto payment system with my account, seeing that I would have little access to the internet or phone. When I returned in XX/XX/XXXXI was immediately bombarded with calls from Wells Fargo dealer services stating that my account had entered a 90 Day derogatory status. I spoke to multiple people online letting them know that I had set up an auto payment system, and was basically told they had no record of me asking to do that and tough luck. I tried to hold out and contact someone to help prove that I had asked for this but my credit score became negatively effected as well as Wells Fargo having collection agents call my phone every half hour asking for me to pay the month that I missed while I was gone. I would like to know that if there is no record of me setting up an auto payment system, how did the other months that I was gone get paid out, but one was missing. In the end I ended up paying near {$500.00} dollars ( as opposed to the {$210.00} I usually pay ) and my credit score took a massive hit in order to get the account back active.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

Citibank increased my interest to 29.49 % ( same penalty rate for missed payments ). I have not been late on a payment for many many years. I asked to explain why I'm being charged the penalty rate, and they could not provide an answer. I asked for a reasonable interest rate, and they said that their system does not allow them to lower the rate.
Consumer complaint received 2018-07-11
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: Sierra Holdings LLC (TX)

I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Consumer complaint received 2021-01-21
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: CORELOGIC INC (NC)

CoreLogic Credco, LLC has been doing a hard inquiry on my credit report twice a month for the last six months. I did not authorize or request credit. I have requested that they stop pulling my credit but it continues to happen. My credit score dropped 50 points yesterday after two hard inquiries from this company.
Consumer complaint received 2020-11-16
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 (NJ)

XXXX XXXX XXXX restaurant in XXXX, NJ changed the amount of my purchase to double excluding a {$12.00} tip after I left. I had a 25 % off any purchase coupon with no expiration date on XX/XX/2020. The bill was {$60.00} and I added {$12.00} tip based on the full amount prior to the coupon. The adjusted amount should have been {$45.00} plus {$12.00} tip = {$57.00} ; however, I was charged {$130.00}. Elan Financial Services of XXXX, MN was advised of a dispute and immediately closed my account and sent me a new card with a new account number. XXXX manages the card for XXXX XXXX XXXX XXXX, MA. After 6 weeks in which I was not contacted once, the fraudulent charge of {$130.00} was reapplied to my account. XXXX has terrible reviews on XXXX and other places on the internet. They have allowed fraud and not proven that they are competent to manage consumer credit. I authorize {$57.00} to be charged.