davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Penn Credit Corporation (MD)

I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA.
Consumer complaint received 2017-01-19
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 (MI)

Penn Credit continues to call me multiple times a day for a debt with XXXX XXXX that has been already been paid in full to XXXX XXXX. Confirmation number ( XXXX ) They have been supplied with the conformation number for XXXX to show this is NOT a valid debt and should NOT be reported on my credit report.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax refuses to provide a free annual credit report via XXXX. Spoke with customer service supervisor on XX/XX/2021 and they confirmed that Equifax refuses to provide a free annual credit report via XXXX.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AZ)

I was talking to Citi representative today, whose name is XXXX, about my credit card Citi bank. I was actually thinking about closing this account. But the XXXX told me the benefits of the account and informed me that the account has no annual fee. So, I changed my mind and decide to leave the account open. I clearly told the representative, who is XXXX, " I will leave the account open ''. What 's more, XXXX Said '' Okay, I will keep this account open and thank you for continuing business with Citi '' Nicely, I hang up my phone. Ironically, I immediately got an email from Citi, telling me that my account is closed. I mean, seriously, this is how Citi bank trick its customers??? This is unbelievable.
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (PA)

I applied for the Citi AAdvantage Executive Mastercard on XXXX XXXX. My application went to pending status so on XXXX XXXX I called in to provide some additional information and shifted my credit lines to open the new account. On this call I confirmed with the Citi representative that I was eligible and and would receive the offer of XXXX AAdvantage miles after spending {$5000.00} on my new card. The Citi representative confirmed this and approved my application. 
On XXXX XXXX I called Citi to inquire about why I had not received the bonus miles. They stated that since I had the card in the past I was ineligible to receive the bonus. When I told Citi that a representative confirmed that I would receive the bonus offer I was told " The application department should n't have told you that ''. I spent over the {$5000.00} necessary and paid the {$450.00} annual fee and feel that my obligations to receive the bonus have been met. I was provided with false information from Citi and they are now withholding the bonus that I applied for, was approved for and was confirmed to me over the phone by a Citi employee.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WA)

I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
Consumer complaint received 2022-02-28
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   violated my 609 rights by reporting incorrect information to Equifax regarding my credit profile. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

It is XXXX and I have had 7 calls from XXXX at General Revenue Corporation in XXXX, Ohio already today. 6 calls to my work phone and 1 to my cell phone. 

Several calls are just minutes apart. Only one time did he leave a message on my work voicemail.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (OH)

I opened a Pay Pal account and had my relia card changed to Pay Pal from my unemployment benefits. I never used the card and when my benefits loaded on to Pay pals card, they licked my account and closed it keeping my monies.Ive exhausted my means in trying to speak with a customer representative to no avail.
Consumer complaint received 2023-07-24
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. (FL)

The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AR)

Was charged a Late charge that was not my fault. Tried to make payment online, would not take my payment. Tried to call that day. Had to wait 45 min hung up. tried to call next day, die day, compnt said all agents were busy call back later. Called day and was late. Not Fair. I tried for two days to get them there money.
Consumer complaint received 2023-02-26
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. (OH)

Equifax investigate the account hard inquiries oh my credit report I have seen countless letter to investigate they sent me a letter and told me these inquiries will be deleted I have proof
Consumer complaint received 2017-05-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (IN)

Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NC)

In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, XXXX, and Equifax providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Consumer complaint received 2023-02-26
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. (IL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account - XXXX XXXXXXXX Account - XXXX XXXX XXXX Account - XXXX XXXXXXXX XXXX Account - XXXX  XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX  XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am divorced from my Ex husband since XXXX 2015 and he has moved to XXXX, Washington for over a year. He has taken his car the XXXX XXXX XXXX and i am already removed as joint owner. Please remove the XXXX XXXX debt from my credit report. 
Also XXXX has a Debt of {$580.00} for a XXXX under XXXX XXXX. this person is not me and I have no clue who this person is. I have complaint to XXXX. Please remove this person debt from my credit report
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Armcon Corp (CA)

On or around XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a old collection that had been brought to my attention. It was at that time they cross referenced my ex-husband 's name and advised me that they were going to add me on to a collection account that had been placed in his name. I advised them that we were not legally married at the time he obtaining that debt. Soon after they not only filed a lawsuit against me in the amount of {$17000.00} plus interest and legal fees, but also placed the growing amount on my credit report on a monthly basis. I advised them several times that the documents they were provided with by the original creditor were incorrect. I notified them by phone and in writing that the debt was invalid and they refused to withdraw the suit or remove the report. I did not have a contract with the original creditor for the disputed amount and do not have a contract with XXXX XXXX XXXX XXXX. The two documents my attorney was provided was an incomplete request for enrollment which did not list a financial amount due to the fact that I did not at full tuition, but was granted a reduced tuition which was paid in full, and an inaccurate and outdated ledger. XXXX XXXX XXXX XXXX accepted this debt with insufficient information and are working it on contingency, where they stand to benefit financially. I also believe the attorney working this suit is also working on a contingency basis which poses a conflict of interest in ignoring my previous disputes. I have since hired an attorney and he also advised them the debt was not valid and instructed them to remove it from my credit report. XX/XX/XXXX the amount increased again and was categorized as a Bankruptcy on my three credit reports. The inaccurate reporting occurred during escrow and disqualified me from obtaining a mortgage to which I was in contract for. XX/XX/XXXX they reported an " Inquiry for an installment loan '' further damaging my credit. 

Please note that the original creditor XXXX XXXX XXXX XXXX XXXX is currently the defendant in several other suits involving tuition disputes following an administration change. Furthermore, the entity that entered into a contingent collection agreement with XXXX XXXX XXXX XXXX is NOT the entity that was in existence at the time my children were enrolled and I was granted a reduced tuition rate and they have failed to prove otherwise as no such documents exist.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE (SC)

This morning, XXXX, my husband and I attended a XXXX Wyndham presentation for time share potential. After hearing the final packages, we declined everything. The person helping us asked if he could run our credit and made it seem like it was a soft credit run through XXXX. We got home, and I received an email that I am now signed up for a Wyndham Rewards earner card. The topic of a credit card did not come up once during our discussion, nor did I knowingly consent to one at all. I would like to see about getting this account closed without it effecting my credit score, because I did not want it and feel as though I was tricked into it. Thank you.
Consumer complaint received 2017-05-25
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. (GA)

Equifax is still reporting an account that falls under an agreement they created,  National Consumer Assistance Plan.      I received my dispute results on  X/XX/2017   , confirmation #  XXXX .     XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MD  XXXX  In my dispute, I asked Equifax to follow the rules they created. This account contains eviction fees.     Equifax is not enforcing their own agreement.