davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

Hello. I like US Bank, so I decided to open checking and savings accounts there. To fund the new accounts I submitted XXXX cashier 's checks from people that I knew only as clients. The amounts were {$2400.00} and {$1900.00}, so I did n't ask for any money back, and I stressed that these were from people I did not know well. Still, they were official cashier 's checks, so I felt all would be well. However, the bank 's fraud dept determined later that they were forgeries. And HERE is my complaint : they closed my new accounts, marked me as a risk, said I could never have another US Bank account, and even charged me {$19.00} for each returned deposit! Who knows what they put into XXXX and XXXX. I 'm afraid to try to open an account anywhere else. It is my hope that US Bank will reconsider their position and give me another chance. The cashier 's checks looked absolutely genuine. How was I to know they were forged?
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (FL)

I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX - Date of inquiry XX/XX/XXXX, XX/XX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XX/XX/XXXX6. XXXX XXXX - Date of inquiry XX/XX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-08-13
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Messerli & Kramer P.A. (MN)

I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (ME)

I have XXXX state tax liens listed on my equifax report as released. The liens do not belong to me. XXXX and XXXX completely removed the liens from their reports, however Equifax refuses to do so. When contacting the state they immediately released the liens stating that they were filed against a business that I had previously sold and had no responsibility for, and they sent a letter stating they were released. Equifax shows these liens as released, but as they are still showing on my credit report they are hindering my ability to receive financial aid and take out student loans for medical school.
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

To whom it may concern, My federal student loans ( sub and unsub ) were serviced by Navient for years... dating back to 2016 ( emails that far back )... I was continually prompted and encouraged to put my loans in forbearance as I looked for options to repay... I now how {$100000.00} and my original loans totaled approximately {$45000.00} ... more than half of my balance is interest! I can not get any information to as if I am due any relief ... can you please help me? Thank you in advance!! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

I currently have a mortgage with USBank. I recently had an escrow shortage and i made a partial lump sum payment to catch up. I made a XXXX XXXX payment of {$1900.00} which also included a catch up payment. For XXXX XXXX USBank was still showing that I needed to make a payment of {$1900.00}. I called them on or around XXXX XXXX in order to discuss this payment being a little high. They agreed to do an escrow analysis and found my XXXX XXXX payment should actually be {$1600.00} which I agree ( An increase from {$1100.00} which I was paying ). They said they would send a new bill and correct the information online. On XXXX XXXX ( the day before my due date ) their website still displayed a {$1900.00} required payment. I called them again and they agreed the issue should have been handled already and that they would escalate to a senior customer service rep and that it would be fixed that day. Today is my due date and the website still has not updated ... .it would not allow me to make the correct {$1600.00} payment online ... .it still wants an incorrect {$1900.00} payment ... and to make matters worse there is now a {$5.00} " Online Payment Fee '' attached. I believe I 'm being incorrectly overcharged on my escrow and USBank has now had XXXX service call opportunities to correct this issue which they have not done. I feel I have made XXXX efforts in good faith to make this payment but I do not feel that I should " donate '' an extra {$300.00} to them. On top of that I do not feel I should be charged a {$5.00} fee simply because the website will not allow me to make a correct payment. What other options do I have to compel USBank to make the changes to my monthly payment they have agreed to make????
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

I received an XXXX XXXX in XX/XX/XXXX in XXXX at XXXX. After graduating from college my loans were sold to XXXX/FedLoans and consolidated. Instead of closing out the loans that I owed and then making it so I owed the consolidated amount only, my loans are now doubled and showing as over $ XXXX. I understand interest ( I have been in deferment and my interest is over $ XXXX ) but this does n't make any sense. The average graduate student owes about $ XXXX for their fedloans, I have an XXXX After doing some research, I saw there may have been a so called " payment '' made on XX/XX/XXXX of XXXX ( consolidation loan amount ), I never received this loan payment. I have reached out via email over XXXX times over the years to FedLoan Servicing and XXXX to have my file looked at, I have received nothing in response. I also called and the representative on the phone did n't even understand how I could owe so much, and supposedly sent a ticket and I have never heard anything back. I really need someone to help me out here, as I am sure I owe half of what is showing ... unless someone out there was given a degree that now I am not able to afford to get because of the status of my federal loans. 

Thank you in advance for your help in this matter.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request. 
There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: North Shore Agency, LLC (CA)

I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (IL)

I own a Macys/star rewards credit card. The card carries an interest rate of 25.74 %. I recently had a balance of {$340.00} on the card. Macys received payment of the balance in full on XXXX/XXXX/17 per my XXXX credit statement. On the same statement, Macys charged me 25.74 % interest on XXXX/XXXX/17 on a balance of {$300.00}. They added the interest total to new purchases ( made on XXXX/XXXX/17 ) due on XXXX/XXXX/17. I called Macys to question why they would charge me interest on a bill amount that was paid in full before interest was accrued. XXXX, the Macy representative, I spoke with on XXXX/XXXX/17 @ XXXX CST, told me she would immediately remove the interest from my account and I should wait a few days to see the credit. This is actually the second time Macys has charged me interest on a XXXX balance. When I called to complain the first time, which was 3 years ago, I was told it was a " computer glitch '' and I was credited. My complaint is if I do n't call to complain, Macy overcharges me in interest. They are aware of the computer glitch problem and I do n't believe I am the only person they are overcharging, I am just one customer that is paying attention to their bill.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (UT)

The bank promised me a bonus if I met certain requirements. They offered a checking bonus and a credit card bonus. I received the checking bonus but not the credit card bonus. I met all the requirements for both bonuses, but the bank has not paid the {$50.00} credit card bonus. The bank wo n't respond to my calls or faxes. I called the bank and they said the only way they could help me was if I faxed the information to their cardmember services at XXXX, which I did on XXXX/XXXX/16 and again on XXXX/XXXX/16. I called to ask whether they had received my faxes and they said yes, but that it would take several more weeks for them to respond. It seems like they 're stalling so that I will go away.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CO)

We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ATG Credit, LLC (IL)

I sent a letter to ATG CREDIT letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ATG CREDIT refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ATG CREDIT provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.