davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Credit Analysts of MN, Inc. (FL)

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and XXXX credit report but the incorrect information still remains.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I used my overdraft feature on my checking account last summer ( XX/XX/2017 ). I lost my job and was never able to bring my balance to current. The account was subsequently closed. I do still have an active savings account. I would like to know what do I need to do to clear the outstanding balance on my checking account and also how much is actually owed on that account. Any assistance would be great. I have had this savings account for almost 27 years and would like to clear any debts owed to restart my checking account. i
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (IN)

ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International has been harassing me since XX/XX/XXXX with repeated phone calls, sometimes more than once per day, regarding a debt I do not owe. 

I have sent letters with documentation to show I do not owe the debts, and they continue to harass me. I found out recently that they also reported the debts to the credit bureaus, which is negatively affecting my credit. 

I sent follow up letters demanding that they contact the credit bureau to remove the collections and they have not responded.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I have been trying to cancel my Experian Credit Tracker Service for a while, which I accidentally signed for after not being able to cancel in the trial period. Its been a few months and I've been on 3 different calls where I waited over 1hr and 40 min, 2hr 10min and 1hr 30min ( have screen shots ) to talk to someone. In the last call they picked up after 1:30 of waiting, went through the questions, cancelled everything, put me on hold to complete the cancellation and somehow the call was dropped. Moreover, I've sent emails and letters to no avail. Its a waste of time and unfair criminal type practice from Experian. Something needs to be done. After reviewing the consumers reports, this is a common operation from Experian that needs to be corrected. Consumers are suffering from this while this company is stealing their hard-earned money.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ETHOS LENDING LLC (OR)

I am an XXXX XXXX and often have problems with the loan originators in the closing process. At some point an insurance agent issued a wrong document and now the lending institution thinks that is what they should get. There are several problems with this ( I am happy to go over, but do not think there is enough room here ). The main issue is they have no insurable interest, they do not have this until after the loan has recorded. There fore the only document they are entitled to is a binder. In order to get a binder, I need a binder request. 

This company ( XXXX XXXX a division of Ethos Lending LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX L # XXXX ) The contact which has been contacting me from this company is XXXX XXXX ( XXXX ) ( she has copied XXXX XXXX ) The correspondence started with her emailing, asking me to replace the current lender with them and send a copy of the policy and the replacement cost guide. I replied asking if they were the lender and have closed the loan. She advised no, I replied we can not put them on the policy as they have no interest. We went back and forth on that. I continued to tell her to send me a binder request and appraisal in order to move forward. She eventually went over to me to my company ( XXXX ) and had them make this change. My company reached out to me to discover that XXXX was not recorded on the loan.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

XXXX and XXXX continues to ignore my CFPB complaint requests for a copy of the certified mail letter receipt from XX/XX/XXXX and XX/XX/XXXX, that shows I signed with my signature their debt letter for the amount allegedly owed. I HAVE NEVER received any correspondence from XXXX and XXXX and was never given the opportunity to dispute the debt within 30 days, which is my right under the FDCPA. Also, I HAVE NEVER received a phone call from XXXX and XXXX, and no messages were ever left on my phone, if they actually did call me. I dispute the debt, because I do not owe the amount of money allegedly owed. I have never been sent a copy of the credit card agreement or a copy of the contract with my signature specifically on them. I have never been sent a copy of the monthly statements that I actually bought items from XXXX XXXX XXXX and I have never been sent a proof of bill of sale from XXXX and XXXX, that specifically shows the exact amount owed. I continue to be harassed by XXXX and XXXX and do not want them communicating with me. I sent the package back to XXXX and XXXX because they continue to cause intentional infliction of emotional distress. I am a XXXX XXXX veteran and do not work. I have XXXX from the XXXX and their continued harassment of me is causing me to go to see my doctor for XXXX XXXX and increased XXXX XXXX because of them. A copy of all correspondence and complaints with the CFPB are being sent along with another complaint to the PA Attorney General 's Office.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it resolved.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (IN)

I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. 

After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. 

Your account number may be retrieved online through your Account Summary. 

If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX 

After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.
Consumer complaint received 2018-10-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I got a title loan in XXXX for {$1000.00} and also got another {$300.00}. My payments have been very steep. I have made all of the payments. For XXXX they only charged me {$60.00}. So I called and asked why they said I guess the company is giving you a break I'm not really sure and also asked if I would like to get more money on my loan which I declined. Now I look online for my XXXX bill and they have charged me {$590.00} for just the month of XXXX. Which is unrealistic I can't afford that. I have children to take care of. So now I'm going to face losing my vehicle.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18 I sent a final letter to EXPERIAN requesting a copy of what they used to verify the following accounts : 1 ) XXXX for {$1700.00} 2 ) XXXX for {$1200.00} 3 ) XXXX for {$280.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX   for {$4500.00} 6 ) XXXX XXXX XXXX for {$13000.00} 7 ) XXXX   for {$4300.00}.

I also asked them to delete Multiple incorrect addresses & Names they had on my credit report & to send me a copy of the updated credit report. The did NOT do any of this. They only sent me a letter stating they will NOT reinvestigate XXXX, XXXX, or XXXX XXXX. Yet they still have NOT provided me with the copy of what that used to verify these accounts. Experian needs to be held accountable.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Chase card services estate department has been notified of a deceased card member XXXX XXXX XXXX, they have a copy of the death certificate. They have been advised no known executor exists, they are being advised of no known existence of assets, interest charges should cease and credit back to date of death of XX/XX/18. Please notate records accordingly.
Consumer complaint received 2018-02-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS,, I do not have a contract with them and no obligation to perform, they have no proof of anything and are rico-racketeering criminals, they are reporting deformatory information on me and for what reason,? have i ever received a bill? 
from who?, who ever sent me a varified complaint of a wrong doing? 
dont send me your statements, a statement doesnt prove anything, and who you are and what you do is no concern of mine unless theres a contract, so what the XXXX are these criminals doing? why theyre in the business of EXTORTION and trickery and word semantics, they are CRIMINALS, so what wrong have i done to them? show it to me
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (MI)

Was approved for 2 credit cards with PNC Bank. A personal for XXXX and a business card for XXXX. Seemed fine. I had an emergency back where Im from so i had to move shortly after from XXXX  back to XXXX. Im a new XXXX XXXX, and am eager to do things right, but had no coaching on how to manage finances so I was excited to be a new client with PNC. Little did i know that this conservative Bank would profile me, and close both of my cards indefinitely and told Bank managers that i work with on my accounts that there was a lot of fraud on my cards. I do admit that i had to use my personal card to do business transactions at times, and my business card to do personal transactions at times. Mainly because their fraud department would decline my transactions per one or the other card, leaving me with not much choice other than using another card. I was treated as if I was doing something illegal, when in fact, I was just trying to start my year, and my new business off on the right foot. This was unfair, and I am being punished for not following rules that I didnt know existed. They said i should not have bought pizza ( for an event that my business was holding ) or gloves for my kids ( when my personal card wouldnt work ) with the card i used at the time. Now my cards are both closed while Im in the middle of a project that I got the cards for in the first place.