davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I was initially notified by IQ Data International , Inc, regarding a bill that needed to be paid. I told them initially to not call me because I was receiving so many calls and that I was going to deal with the debt. They called again, repeatedly, but I did not answer because I already submitted my form of payment to the company. I received the payment back because I did not submit the correct zip code when I initially sent it. I reached out to my apartment complex again and she advised me the correct address to submit payment to, so I submitted my payment. I received a notice saying that the debt was added to my credit report so I called the company trying to explain what happened, but I was met with some of the most disrespectful and out right disgusting behavior from someone specifically by name of XXXX XXXX, if that is the persons right name. I 100 % assumed responsibility for the debt and did not have an issue taking care of the bill, but the number of calls is annoying. Before I could even explain she interrupted me and told me that the bill was valid, that I knew the bill was there. That I did it. Its my fault. at that point, that aggressive nature, essentially berating me sent me over the edge and made me extremely angry and led me to express myself. I tried to explain that the payment had already been sent, but she kept stating she was not going to update this to the credit bureaus and she doesnt have too. I tried to deal with another rep, but XXXX kept answering the phone stating I could not speak with anyone else only she was there and that she was not going to assist me with what I needed and that she is the only supervisor and that the next higher up is the President of the company. I called at different times trying to resolve my matter because I did not want the argument that she seems to be looking for with this ridiculous and outrageous behavior. I tried to pay the bill, but want the fair opportunity to have this taken off my credit. The rep advised, " I will not take this off and I do not have too because you cursed at me ''. Well this rep innapropriateley handled my business matter by crossing the line by questioning my integrity, I'm sure that is not ethical debt collection practices. Im sure in the training session their employees can not dictate what they can and will not do based off of personal feelings. I also never received a paper copy of the bill either. If i received a paper copy none of this would have happened because I would have had the correct agency to submit payment too.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

I put through a dispute with Wells Fargo on XX/XX/2022. XXXX XXXX sold me a {$590.00} Defective phone. XXXX XXXX rep did not put in my XXXX card so it wouldnt work. Same day I had no directions & I tried to return it. XXXX XXXX refused. I tried it. The earphone was taken out. I purchased an earphone adapter. While using the phone, the volume went to zero. I returned it to the store. XXXX XXXX refuses to admit their phone is defective and employee did not put in XXXX XXXX XXXX XXXX card. I returned the phone to XXXX XXXX on XX/XX/2022. I request my refund.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Everi Payments Inc. (TX)

On XX/XX/2022 I visited XXXX XXXX and XXXX XXXX Ok. I attempted to visit one of the Everi ATMs. I selected purchase gaming ticket which requires putting in a pin. Upon doing so the transaction said and prompted this transaction could not be completed please contact your financial institution. My card was promptly ejected and it went back to the please insert card. After it cancelled I checked my online banking and I was INDEED CHARGED This was a transaction, In the amount of {$2000.00}. I promptly told security they reviewed the atm and assured me I was not charged. I showed them I was, and the guy told me that the transaction will fall off in two business days. The transaction never fell off. Then I disputed it with my bank, everi sent a response stamping it with a stamp twice saying REDEEMED. I didnt even get a print receipt and their cashier told me there was nothing they could do I should call everi which I did. However Everi because they marked that stamp told my bank someone received and redeemed it and it wasnt me. This has caused my account to overdraft because of something I never received.
Consumer complaint received 2021-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (TN)

I have told this company more than 10 times to stop sending junk mail and loan offers. I marked refused. I have called American Financial Network and told them and I have registered with the postal service as well. This is wasting trees and I do not want or need anything from them.

I want this these letters and offers to stop.
Consumer complaint received 2021-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was contacted by " XXXX XXXX XXXX  '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX  agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX  when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have sent several letters to experian/XXXX ... ... Experian through the XXXX scoring system is displaying that I have 116 late payments. I have gone through my consumer report and have noticed that they are reporting lates as far back as 16 years ago. 
It is my understanding that lates, old accounts fall off in seven years therefore it clearly shows the experian is bias and prejudice toward and is purposely trying to hold my score down.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MO)

On about XX/XX/XXXX I noticed several unauthorized charges made on XX/XX/XXXX, XXXX, & XXXX. On The same day I had my card canceled and submitted disputes for all 49 charges. The Current customer support team member asked had my card been stolen I advised him, No that I still had my card. So I received an email about each of the disputes on XX/XX/XXXX stating that the disputes had been completed and based on the facts of the investigation, they concluded no error occurred, therefore no credit would be issued, and that this matter is considered closed. I emailed them back letting them know that I didnt make those purchases, have no idea who could have, and that I was already in a bind on money and could barely make ends meet as it was and now {$2200.00} was just took from me by some place Ive never even been to, nor heard of. That money was needed and I was counting on it to pay my rent and bills that were due. Im a single mother of 4 children and work my tail off everyday trying to keep a roof over our heads, so for this to happen and nothing I could do about it, it really hurt me financially and emotionally.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I pull my credit report because I was denied a XXXX loan. On my report it shows the company that is reporting the negative information and I call they said they was supposed to report it and received the information from the state. When I called the state, they said they do not give the information out to anyone. I called the CRA again, and they stated that the information came from another agency. I want the information deleted. I do not give them permission to report the account on my credit report.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In early XXXX XXXX a fraud account was opened under my name, I came to know this after I received a letter from citizens bank to activate a new debit card I called the bank directly on XX/XX/XXXX I informed this is a fraud account, but it seems the fraudulent people were faster they opened 5 accounts under my name and start to issue fake cheques to my name all the cheques were bounced back unpaid, I called the bank 4 times every time I receive a letter from the bank. Because bank refuse to take action and close the accounts fast claiming they need more time for investigation, the result of their ignorance on XX/XX/XXXX I received a call and letter from XXXX collection company asking me to pay XXXX $ debt for a XXXX XXXX XXXX XXXX. please I need your help I don't know how to protect my identity after my personable information was breached by scam email on the internet, and these people could still open fraudulent accounts even if your credit report is frozen.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2021 I sent a certified letter to AWA collections to verify the alleged debt they are reporting on my credit report. Its been more than 30 days and I have not received any response from them. They are in violation of my consumer rights.
Consumer complaint received 2021-12-28
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. (AZ)

I have disputed this issue numerous of times with XXXX and Equifax only to be told that they verified the information by computer with the creditor. XXXX stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both Equifax and XXXX. This account was previously blocked for identity theft but was placed back on my credit report by Equifax and XXXX without notifying me in writing that it had done so or as to why. XXXX and Equifax have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into Equifax to check dispute information. XXXX website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZIONS BANCORPORATION (CA)

Zions Bank has been calling daily during business hours to collect payment for my closed Amegy checking account. I have repeatedly asked them to email a detailed statement and include who and where to send a payoff check. Yesterday I finally told them to stop calling my cell phone for any reason and only email the requested document to XXXX. I DO NOT WANT ANY MORE CALLS FROM ZION BANK. I'm not avoiding payment only want to see the itemized payments after the account was closed.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Someone opened a XXXX XXXX XXXX credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXX XXXX and never will. I have disputed this with XXXX, XXXX, and TransUnion to no avail.
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

I purchased an American Express gift card at the store. And I have been trying to use it, but every time I do. It is declined except for on XXXX XXXX. It charged me XXXX cents, but it also declined my purchase. And I can not use this card anywhere. It is not working at all. But it says it's active and there's money on it
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (OH)

I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?
Consumer complaint received 2021-12-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX sent a letter to Experian asking them to provide the method of verification for the alleged bankruptcy that is currently showing on the report. they replied stating the bankrupty was verified by XXXX XXXX I recieved a letter from XXXX XXXX stating that they dont have any records of a Bankruptcy. Then Experian stated they received it from the Courts in DC I received a letter from the courts stating they do not provide infomration to the credit bureaus. I have explined this all to Experian and have yet to hear anything from them in reference to the letters I have sent and the acccuracy of my credit report. I would like for Experian to delete the inaccuracy bankruptcy that they have showing on my credit report as it is a violation for the credit bureaus to have inaccurate information on my report.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

This is the complaints of American Express Deceptive Behavior. 

Date : XX/XX/2021 Amounts : Issue regarding the available credit given and allowance of autopay transaction that hasn't happened for months to appear Actions : I called the Rep of the special team service for this issue : I entered into a program that paid a fixed amount of money monthly over a year. On the XXXX, they will debit my account on another bank. At the beginning of the contract, the agreed that the credit that I got was $ XXXX - unpaid amount. they issued a letter and mailed to me about it ... then they changed the terms and conditions without notifying me. They keep changing the credit available and when they mentioned that I got a certain credit available on XXXX after the payment, they didn't honor it. 

The point is, they only charged me on XXXX for an agreed amount but not mentioning that I should paid the credit amount that I have used outside the program payment. 

This morning, I called the Rep, she told me the amount that I used that belonged to XXXX credit line... I asked her why she allowed XXXX to charged me an autopay that they didn't appear for months already, and she said she could let another olive oil amount ( that haven't appeared on the statements for months ) went through. I then told her that then I am not going to pay for those amount. She then said that she could decline the olive oil one but needed to keep the XXXX one. 

She even declined American Express has sent me an email notifying me that XXXX has an autopay. She was manipulating what I should think. 

On XXXX this month, AE is supposed to give me $ XXXX credit line, but with the transaction of just less than {$11.00}, my credit line is XXXX. 

This is not the first time happening that I have exercised enough patience. 

She then keeps telling me that if I pay all the rest of unpaid amount, I can have unlimited credit limit... I think this is very deceptive. I told her if I believe in what their card company on the online statement that I have so many credit line and buy something ... and it turned out got rejected .... this would be so embarrassing!!! Shall I ask for the compensation for this too? 

I paid more last month for {$800.00}... I couldn't understand why this happened. AE staff even coerced me in the chat log. There is a recording for the conversation between the staff and me. 

They can cancel my card and terminate the service but not to do things like this. I think your agency should take proper steps to warn them and they should receive disciplines. 

Thanks so much
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (UT)

I have received repeated phone calls from ERC I asked them to keep all communication to letter form and to stop calling me repeatedly they have continued to call they called today at XXXXXXXX XXXX after I have all requested the calls to stop they are always changing there phone numbers and when asking to speak to a supervisor they go silent and hang up the phone
Consumer complaint received 2021-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named XXXX XXXX XXXX and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.