davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2017 I traded in my vehicle with with new dealership. Months later previous lender reported false information on my credit worthiness to the bureaus. It is now being reported I was 3 months behind on payments 3 months after DMV release of liability form was signed and submitted.New dealership has proved the previous lender cashed payoff check before they reported late payments
Consumer complaint received 2015-04-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.
Consumer complaint received 2018-05-20
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. (GA)

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses 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 I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX and XXXX Account Type : Credit card
Consumer complaint received 2018-05-23
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 XXXX  refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the XXXX XXXX used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IA)

On XX/XX/XXXX I received an automated recording call that said my son, who is XXXX, had a debt collector trying to reach him. It told me to hit a number if I was my son. I thought it was a scam and hung up. On XX/XX/XXXX my son received a letter in the mail from Allied International Credit Corp. The letter says that they are a debt collector and that he owes money and they have been trying to reach him. I XXXX about this company and the company they say they are collecting for and it appears to be a scam and I do not want to call them. The company says that my son owes {$32.00} to XXXX. I would like to have consumer finance reach out to this company to see what is going on here and if I need to file a Scam with someone else.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation (WA)

The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HANCOCK WHITNEY BANK (TX)

I opened an account in XX/XX/XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX offering to be of any assistance if I ever needed anything. On XX/XX/XXXX I  requested XXXX close the account over email. My request was refused unless I sent a signed letter requesting it be closed. Putting aside the inherent silliness of not being able to close an online account online, I mailed the letter. On XX/XX/XXXX, I received a letter rejecting the request to close the account and requiring new, different information from what I was told by XXXX. 

The bank is clearly trying to extort a fee from me for inactivity by prolonging the closure process.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

The Barclay Card Arrival Mastercard advertises itself as a travel card. This is FLASE ADVERTISING SINCE THE CARD CAN NOT BE USED INTERNATIONALLY. I called Barclays to let them know that I was traveling internationally to XXXX. While I was traveling in XXXX they CONTINUOUSLY CUT OFF MY CREDIT CARD. I answered their call multiple times to tell them it was me using the card and they continued to cut it off repeatedly. I spoke with customer service and the agent told me I had done everything that I was supposed to but could not guarantee that the card would not be shut off again. They REFUSED to keep my card active while I traveled, even though I REPEATEDLY confirmed my transactions and told them I was traveling and it was me using the card. If the card can not be used internationally, they should not be able to advertise that it is can, so they dont leave customers stranded with no form of payment. Their lies put people in dangerous situations.
Consumer complaint received 2018-03-21
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: EQUIFAX, INC. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CarFinance Capital LLC, Irvine, CA Branch (AZ)

I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of  reposessing the car ( a car loan currently being serviced by XXXX  ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX  to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX.  This is unfair and against our rights as consumers.
Consumer complaint received 2018-03-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CT)

I received a letter from a debt collection agency on XX/XX/18 for 2 student loans, totaling > {$50000.00}. I was not informed by the lender by phone, mail or email that this was an issue that was being sent to collections. I was previously on a reduced payment plan of $ XXXX. After speaking with the lender directly today, I am told this repayment plan is only effective for 3 months and can be renewed for an additional 3 months, with a limit of 6 months total for the entire life of the loan. When attempting to set up this repayment plan, the lender representative informed by that I must also pay back the entire past due amount of {$2100.00} to make my account up to date. When I expressed that I was happy to make an alternative arrangement, and that this option is not financially feasible and does not give me enough time to get up to date before the expiration of the repayment plan in 3 months, I was told that there are NO other options. When I attempted to make a good faith payment to attempt to find time to write a letter to the lender to resolve the issue, I was referred to the website, as I was unable to make a debit card payment by phone. I had my checking account information saved on the site ; when attempting to make a web payment, there was an error. ( A representative told me that there are " issues '' currently with the payment system and I may not be able to successfully make my good faith payment today ). I explained that my excessive financial obligations far exceed my income, and the fact that they have sent me to collections now impedes my ability to make credit purchases or take additional loans for emergency situations. I have XXXX small children and am looking for additional employment and need to buy a reliable car in order to continue to work and make payments to my lenders ; this report to debt collection has now likely impeded my ability to do so, and thus it will be difficult for me to maintain my current job, as well as obtain additional employment, and take care of XXXX children as a single parent. Despite multiple attempts to make a resolution, this lender has told me there is nothing that can be done. Please help me to remedy this situation, I would like to set up a modified repayment plan with recurring automatic payments, but am told I have no options. Thank you for your time.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Could someone with knowledge of Case # XXXX please update me on the status of this case. Called XXXX with this case number and your representative told me there is no case with this number and he can only check cases in his department. HOW DO I GET A UPDATE ON THIS CASE OR DID WELLS FARGO CLOSE THE CASE FOR AN APPARENT REASON. Also want to know why the XXXX that was sent to my address in error and than sent to my sisters address in error. Wells Fargo is telling me that my address was the address that the person who's name is on the XXXX gave them.  This person never gave Wells Fargo my address to send the XXXX to. If Wells Fargo would  research  this issue Wells Fargo could provide me with an explanation as to why this error occurred instead of blaming it on the person who's name is on the XXXX..  Also please inform me how long my checking accounts with Wells Fargo have been opened and the status of these accounts such as over drafts or any other problems.  I also want Wells Fargo to  be aware I have recently closed a CD at Wells Fargo due to the fact you failed to research this problem and treat your customers with respect. AGAIN THE PERSON WHO'S NAME IS ON THE XXXX DID NOT GIVE WELLS FARGO MY ADDRESS AND HE  HAD NO REASON TO SEND THE XXXX TO MY ADDRESS.  One recent example from one you your representative when I called on a case was " IF YOU DO NOT FAX WELLS FARGO THE INFORMATION I WILL CLOSE THE CASE. YOU ARE THE ONE DEMANDING THE INFORMATION.  Nice way to treat a customer of of over 40 years.  Thanks for you help.
Consumer complaint received 2018-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OH)

I have a unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX Cease and Desist all further communications. XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (TX)

I did receive a notice of attempt to collect debt. My problem with this company is that XXXX XXXX sent a check to settle this de

bt o n XX/XX/XXXX. The company Hunter Warfield confirmed they received the check on XX/XX/XXXX. I am currently XXXX  and XXXX and I really need the receipt in order to move to a new place and I dont understand why it takes so long for them to issue a receipt. I have called several times. Last Friday XXXX  they told me I could access the receipt today. I logged in today and I did not get a receipt, so I called again, and the person on the phone told me it would take and extra 2 weeks to get the receipt. Why it takes so long? Banks clear a check in 7 days and it comes from an agency. This is outrageous. I am XXXX and XXXX XXXX XXXX XXXX, please help me out to get this confirmation of payment as soon as possible.

Name of collection agency : Hunter Warfield Check amount {$2600.00} Account # : XXXX
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.
Consumer complaint received 2023-07-04
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. 

I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. 

After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. 

I do not owe this debt and need this taken care of. This company is unethical and should be shut down. 

I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

On XX/XX/2021 National Credit Systems , INC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$1200.00}, of which they have posted on my consumer credit reports. The company has not responded to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northland Group Inc (MI)

Re : XXXX I sent a validation letter to Northland Group XX/XX/XXXX. I mailed two one to the P.O. box and one to the physical address. Both were mailed certified and were accepted XX/XX/XXXX. I have not received a response with a contract or validating not verifying docs to support this debt being valid. I also do not show Northland group as a licensed and bonded collection agency in Michigan. 

This account should not be reported as theres no contract and the company is not properly licensed.