davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sarma (NY)

I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing me.
Consumer complaint received 2022-08-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files 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 Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2015-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (TX)

I keep requesting that Citibank remove my co-signer as I have met all requirements and do not want to pay off student loans until they are in my name alone to get the full benefit on my FICO score and credit history. In addition I have been paying these loans for more than seven years straight and on time. There is NO form for me to fill out to request my co-signer be removed anywhere on Citibank or it 's affiliated sites and they keep changing the terms of my loan contract. This is outright fraud and I will seek legal action against Citibank as a result. They have failed to validate the loans as is my right and will not show where they were disbursed and demanded I prove who I was when I logged in and found another person was applying for a student loan with my social security number in 2006! I was not allowed to cancel the process under threat of a lawsuit by Citibank and am ready to sue. I ca n't find out if the loans I 'm paying for are even MY loans! This is fraud! I will be filing a complaint EVERY 30 DAYS until this is resolved and will find a lawyer to SUE this company run by crooks! I will be filing complaints against XXXX, XXXX XXXX XXXX XXXX, and Citibank for this EVERY month until something is done. Even after I file a lawsuit I will continue to complain since what they are doing is out of blatant disregard of a contract that resembles nothing at all of what I had signed. I am sick of being cursed at by representatives on the phone, lied to, denied my XXXX from XXXX and more. These group of criminals have been already found guilty of fraud concerning what I have stated above and yet they are allowed to continue to break the law and the contract. I make more money at a stable job and meet the first agreed upon requirements for several years now. The fact that they do NOT have a co-signer release form anywhere on their sites or affiliate web sites further proves they never had any intent of releasing any co-signer. This is n't just misleading a student it 's outright fraud on a contract.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

In XXXX, a thief opened a fraudulent MACYS/DSNB account ( XXXX ) in my name. I identified the issue on XX/XX/XXXX, by running a credit check on myself and noticing a credit inquiry from MACYS/XXXX, and then calling Macy 's directly to confirm an account was opened. Upon speaking to a representative in Macy 's fraud department, I notified them the account was opened fraudulently. The representative indicated that the account would be marked as fraud. A Police Report with the XXXX Police ( XXXX ) was filed, in addition to an FTC Identify Theft Report ( XXXX ). 

On XX/XX/XXXX, Macys sent me a letter thanking me for my inquiry, and asked to complete an identity theft form, in addition to providing one form of identification. The form was completed and supporting information provided immediately. 

On XX/XX/XXXX, MACYS/DSNB notified Credit Reporting Agencies that I was delinquent on payments associated to my account. These delinquent payment statements are now showing up on at least XXXX ( XXXX ) of the XXXX CRA reports. In accordance to the Federal Trade Commission 's " Notice to Furnisher of Information : Obligations of Furnishers under the FCRA '', when MACYS/DSBN receives information like this with an Identify Theft Report, it must stop reporting inaccurate and/or fraudulent debts to CRAs. It is also the duty of the furnisher of information to correct and update information. 

Upon speaking to a supervisor ( XXXX, Employee ID XXXX ) within Macy 's Fraud Department on XX/XX/XXXX, Macy 's has internally marked the account as fraudulent, but not formally closed the investigation. The employee indicated it will take up to 90 days for Macys to close the investigation. This employee also told me that reporting information to the CRAs was following their standard procedures and was unable to help me at this time. 
In summary, MACYS/DSNB is negatively impacting my standing with CRAs. They are also out of compliance with the responsibilities defined in the FTC 's Notice to Furnishers of Information in the following ways : - Providing CRAs inaccurate information after consumer notified them of identity theft - Not completing an investigation within 30 days
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP. (CA)

We bought our home back in XXXX about two thousand and thweve and we had nothing but problem since we had it and from the start when we did get our home there was pose to be things done to it, which was the complete both outside of our mobile home was to be repair cause of siding was needed to be replace of which it was rotted out and we was told this would been done and also our complete roof would be replace and which this was not done either and also before we move in, when we look at our mobile home we saw that their was new complete appliances which was new kitchen stove and over the microwares, new dishwasher, there was a refrigerator in the home when we look at the place and also new complete washer and dryer to do your clothes and also we had to repair the kitchen faucets after we move in and this should not have happen and also the heater and air conditioning unit would not work and we had to call the repair man out which was many times to fixed it right and to this day it stills is not working so good and yes we have sent letters to our mortgage company many times and this was done before we move in and after and to this day and yes we had to replace the XXXX toilets in each of our bath rooms because we had water going all over the bathroom floors and we kept looking to see the place it was coming from and there was clacks on the side of both toilets and yes I or we did replace them at our cost and now when we had to take up the carpet in XXXX of our bath room we saw that the floors underneath is bad and now we are going to this day have to replace this of which we do have the materiel to do the job with which we had to buy these things to do it with and the labor we are doing it ourselves and also we found others problems and yes we sent letters showing al of this to the mortgage company and nothing done as to we had to replace all XXXX fans and light kits in both of our bedrooms and our dining area which was not working after we move in and yes we said something on this matter too and yes we have all of this in written form to our mortgage company and yes we have found few others problems too we did not know and to this day we have put out money of our pockets which we should not have or had too and no we did not buy this home as is and I know better than that because I been around all of this over the years and yes we asking for these things to be repair at no cost or money back to us on what we spend so far and other too
Consumer complaint received 2015-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MI)

There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (OH)

This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CO)

On XXXX XXXX, 2015 I applied for a Goodyear Credit Card at a Goodyear service center and purchased tires. I began to fill out the paper app and was told to just wait and the sales rep would do it on the computer instead. I watched him and checked over the printed information after he was done. I have my multiple copies of my invoice which show my correct bill to street address which is what he used for my credit card application. 

I did not receive anything in the mail, and assumed it would be a few days extra due to the holidays and new year. 

On the morning of XXXX XXXX I called the contact number I found online because I had not received a card or any information yet. I was told that the address they had was incorrect ( missing apartment number ) and the original card was not returned to them and they would promptly send out a new card with a new number. At that time I made a {$200.00} payment over the phone because the payment was due on XXXX XXXX. 

Last week ( I believe the XXXX ) I got a phone call saying that i needed to make a payment on the Goodyear card. I told the female representative that I called on the XXXX and made a payment, and the representative said " oh I see that now, sorry for the inconvenience '' and hung up. 

I got a call this morning ( XXXX XXXX ) from another rep saying that I still had not made a payment. This time she informed me that the first payment was in the computer but they must have put in the wrong information and it was not processed. I made ANOTHER attempt at an over the phone payment this morning of {$200.00}. 

I FINALLY received my credit card the afternoon of XXXX XXXX. I was able to then access my online account and saw that I was penalized with a late fee of {$27.00}. I utilized the chat feature of the website and connected with a representative named " XXXX '' at XXXX ET. After speaking to him and him telling me that it was a late fee because they did not receive payment and that there are two " attempts '' at a payment on the account, I advised him of what happened and asked when the late charge would be removed and and he stopped responding. After 25 minutes of inactivity I closed the chat window.
Consumer complaint received 2016-08-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (UT)

I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.
Consumer complaint received 2015-04-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

I came into a non-profit office to get help with a Loan Modification for our home. In the process of calling the lender and talking to the housing counselor, what we found out was my was sold in XX/XX/2010. I have no records of a foreclosure notice being mailed or an auction or sale of my home, yet now I am facing leaving a home that I am not sure I own. All the information that my counselor and I have received from the lender says I do not own the home and the lender shows our loan number not existing in their records. 
The lender did give us an attorney that has the files to be able to tell me that I still own my home. We called that number in my counselors office and it was disconnected. 
I am desperate to know if I can continue in my home or do myself, my wife who can not do anything for herself and our XXXX children, do we have to move. 
Records at the county where we live and on the property taxes, show the home owned by someone other than my wife. Yet we have lived in the home since XX/XX/2010 when the records showing it was sold.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

I called due to losing my Macy 's American Express Credit Card. I could not find my husband 's card. I am the authorized user he is the account owner. This card is being reported on my credit. I am not sure what the rep put in the notes but now it is marked for fraud. I only told the rep I lost my card and could not find my husband 's at the time. Now they wo n't even allow me to make a payment on the card. This caused the card to be late. They demanded that I pay the current balance which is not due until XX/XX/2016 and the past due ( stating that it was all due now ). Then is still going to charge a late fee when all I have been trying to do is make a payment. I had to get a supervisor just to let me make a payment. I work nights and not able to get my husband on the phone to say it is okay for me to make a payment. I just wanted to make a payment to avoid late fees and credit marks. Now I have a late fee and possibly a credit mark. Once again because even though I am only the authorized user this card is on my credit too.
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A. (TX)

I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I took out a loan from Citi Health Card roughly two years ago XX/XX/XXXX. This account was created to pay for an orthodontic treatment and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from Citi notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling Citi proactively did I learn the status of my account ( and only at this point did Citi begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). 

I have spoken with Citi 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. 

I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).