davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.
Consumer complaint received 2017-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (TX)

In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.
Consumer complaint received 2017-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (IL)

I received a copy of my credit report on  XXXX   XXXX ,  2017  and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this debt
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO. (MI)

The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (KS)

On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one
Consumer complaint received 2017-06-05
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. (IL)

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

On Tuesday  XX/XX/XXXX at  XXXX  two transactions in the amount of {$2600.00} were attempted to be used at a convenience store in New jersey . Citibank contacted me after the second transaction and that was declined due to the report. They then called me to verify if I had the card in my possession I stated no, and they shut down that card. I asked for a provisional credit which they processed and filed my report with them. They also asked me if I was willing to file a police report if needed. I agreed.
<P/>
On  XX/XX/XXXX  I was informed that they found that the transaction was in my normal shopping behavior ( it was not ) and therefore they denied the claim. I requested to reopen the case by ways of an appeal, they said they would reopen the case but they would not credit my account.
<P/>
I then got the following items a police report and a letter from my employer and submitted it to them on  XX/XX/XXXX  stating that this was a fraud transaction and also that I was in another state at the time of the alleged purchase. I was informed on XX/XX/XXXX  that they have not yet reopened the case.
<P/>
Citibank has since sent me 4 letters electronically that they have resolved my problem but nothing has yet been resolved.
I also provided Citibank with the detectives phone number, case number and informed them that they have CCTV footage from the theft that proves it is not me.
Consumer complaint received 2017-06-05
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. (NV)

on or  XXXX   XXXX   XXXX   XXXX ,   XXXX   and experian took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB Fine these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Consumer complaint received 2017-06-05
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. (TX)

In  XXXX  I cosigned on a private student loan from  XXXX   XXXX  ( now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XXXX  that  2  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of one of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
Consumer complaint received 2020-10-07
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: Mr. Cooper Group Inc. (NJ)

After filing a CFPB complaint ( # XXXX ), which has since closed, the company I complained about, Seterus, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage.

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, Seterus entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by Seterus is a direct result of filing a complaint.

I am again requesting the entire Seterus entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CA)

I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored me.
Consumer complaint received 2017-06-04
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: EQUIFAX, INC. (WA)

3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.
Consumer complaint received 2017-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I basically asked if I could lower my payments and a Navient loan servicer stated you cant because ur curent. He stated u could let it go delequent then to a forebarance. Some of there loans had combined with XXXX XXXX and were sold to XXXX XXXX loans. I had lost track of them for a while as i didnt pay on them for around 2 years. I then when on rehabilitation programs and am current on them, but its a struggle to pay bills, rent, and feed myself properly sometimes. <P/>
I owe around 15000 on these bundled Navient loans. The payment is extreamly high at XXXX a month and currenrly in the process of lowering my XXXX XXXX Loans ( some were served my Navient at one point but ive lost track and need to call them on that for details ). I owe a total of XXXX where they were about to charge me over 250 a mounth if i hadnt stopped it and tried another option of repayment. Im deff lost on what my options are. Its as if they expect u to just guess which options best. Icome driven or loan forgiveness. Trying the income drive process with XXXX XXXX at the moment, but Navient just clearly said no on that even when I told them about my XXXX XXXX loan. They may be waiting on that process to know my min payment. They were deff not clear on what i could or couldnt do.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

Back in XX/XX/XXXX I applied for a XXXX XXXX mastercard promotion issued by Barclays. 
Since XXXX Barclays has been sending me letters requesting personal documentation such as identification, utilities documentation to validate my address and copy of my social security card. 
I sent the documentation in XX/XX/XXXX within the time frame requested. 
After more than 60 days of not receiving any communication with Barclays I called them and asked about the status of my application. 
An employee request me to send evidence of address since for some reason they didnt accepted the one u already sent. 
Which was a utility bill. 
They didnt explain me why. 
XXXX I sent by fax and mail ( both ) my checking account statement showing my physical address. 
Two pass and I received a letter notifying me that my application still incomplete and that they need me to call their security department. Which I did. 
XXXXAnother employee told me that my application was completed and that it was approved for a XXXX credit line that they will mail me the card. 
The card did come. But I did receive another letter requesting me to call Barclays ( for a 4th time ) I called today and the employee name XXXX ( no last name they are not allowed to disclose their information ) asked me for my full name, address, birthdate, complete social security number, phone number, application number and he couldnt find my record. He stated that this was because my application was 90 plus days due. 
That I will have to applied again. 
So, my question to him was why am I holding a letter dated XX/XX/XXXX requesting me to complete information on my application is that application no longer exist in your system. 


I have sent this documentation twice. I have called more than 5 times. I waited months. 
And there was no answer from them. 
It seems that they do not want to honor their XXXX XXXX offer or its a scam.
Consumer complaint received 2018-05-31
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)

XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Consumer complaint received 2017-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

A year ago   XXXX   I applied through   XXXX   XXXX   XXXX   for a bed after graduating college synchrony bank  finance  to me at a promotional interest rate that I never knew was going to increase I started noticing that my balance never got any lower I never purchased anything after that I called and found out that my interest rate was almost 30 % I spoke with a customer service rep and then a supervisor and was told it 's not going to change there is no way I would have financed through this bank if I had known that the interest rate was going to be so high
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late. I contacted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe tha t Chase is acting UNREASONABLY,  as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.