davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. ()

I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it.
Consumer complaint received 2016-05-24
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (TX)

Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (NJ)

The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TN)

I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Someone got ahold of my account information and tried to deposit a fraudulent check into my account. The bank froze my account and its been under investigation since late XXXX. I received a direct deposit from social security on XXXX XXXX 2022 and I havent been able to withdraw that money because the account was under investigation. The Citibank agents said it can take XXXX business days before they can close the account. Its been well over XXXX business days and every time I call to see whats going on they just give me the run around.
Consumer complaint received 2020-04-17
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. (IL)

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and  immediately remove from my credit file ACCOUNTS XXXX  XXXX XXXX  XXXX  XXXX not mine US DEPARTMENT OD EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX never late XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX not mine XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MA)

A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. 
I have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. 
Enhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015.
Consumer complaint received 2017-03-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MN)

I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.
Consumer complaint received 2023-01-10
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. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-04
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. (TX)

fcra violations not mine ; see attachments wrong info : remove it : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4100.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Open. {$10.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-08-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

Hi we lost our home that we was purchasing through 21st mortgage company. We lost the home to a fire XX/XX/XXXX. It was a total loss. The insurance company sent a check for {$32000.00} to pay most of the loan, all but {$1600.00} as reported by XXXX at 21st mortgage company by phone. We sent this check via USPS mail ( See attached ) to the address 21st mortgage companys sent me via email ( See attached ) we sent the check to the address provided and no problems what so ever. This left a {$1600.00} balance. I get another check for {$2100.00} from my insurance company and right away we sign it and send it to the same address provided by 21st mortgage corp. ( See attached ) that we sent the first check. However, this time somehow the mail is rejected by 21st mortgage company as we tracked the mail so we could prove it got there because from what I can see on better business bureau and many other sites that 21st mortgage company can not be trusted. And has hundreds of thousands of consumer complaints. I know this company rejected my check for personal gain so they could add interest and many other charges as now its up to {$2300.00}. As well as an argument with my wife on the phone that one of their employees had started because they wanted over {$11000.00} but we only owed {$1600.00} at the time so it didnt make sense. We told them we would send what we owed. Anyway I sent this check out in time, on time and it should have been closed by now. These companies are taking advantage of consumers at their lowest times of there lives and its pathetic. I just want my credit report fixed as they recorded a missed payment and thats simply not my fault and my lender to accept my check to pay off the {$1600.00} corrected balance. Thats all! Im gon na send the check back and see what happens this time but XXXX cant even get them to answer a phone and definitely not an email so any help would be wonderful these guys need to quit bullying people and doing whatever they want. Thank you!
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I was charged a numerous amount of overdraft fee through out my business with Wells Fargo bank which I finally took the leap to close this account in XXXX  after being with them for XXXX  years
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (WA)

On XX/XX/2022 I gave my card to pay for a car ride from the airport to a hotel in XXXX XXXX. The price was {$100.00} ( USD ) and I received a receipt for that amount. Then I saw that I was charged for {$750.00}. I called Citi Visa immediately on the same day, when the charge was still pending, they recommended filing a dispute for the extra {$650.00} and not saying this was fraud, and this is what I did. The charge posted anyway and then the dispute failed, I reopened the dispute and it failed again, it's not clear to me why it failed. I did send the receipt in the initial dispute and when reopening. 
The background for this transaction, as I told Citi Visa, was that I had a scheduled ride from the airport to the hotel, and I was scammed, unfortunately. The scammers made me believe they work for the company I scheduled the ride with, and the only way I could get to the hotel is by paying {$100.00} for another ride which later will be reimbursed by the company. I did not ask Citi Visa for those {$100.00} even though it was fraud. I only asked for the extra {$650.00} because when I use my card to pay {$100.00} I expect to be charged exactly that, and not more.

I was very surprised that Citi Visa did not refund me for the extra charge, and that they let the pending charge pass after I said that the amount was wrong. 
When Citi Visa declined the dispute they sent me a paper that looked like a receipt with a single curved line that maybe they think is my signature, clearly this is a paper I never saw and definitely I did not sign it, and it is not at all similar to my signature. I am not sure why they sent me this pic at all. 
Their main, or only, explanation for declining the dispute was that they couldn't get the money back from the merchant, which is not a good reason, they should have never paid that money to the merchant. 
I never contacted the merchant directly because the phone number they gave me was the phone number of the real company I used to book the original car ride. I did contact that number and they told me that they never directed me to another car ride, which is why I realized I was scammed. I could never contact the scammers directly. 
Thank you.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Penn Credit Corporation (NJ)

I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.