davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
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. (OR)

XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NV)

SANTANDER CONSUMER XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (OH)

I applied with Chase Bank for the Paycheck Protection program within minutes of their website opening on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received email confirmation and a link to fill out the full application. I began this immediately but midway through, realized I needed a tax document for payroll that I requested from my accountant. I received that documentation on XX/XX/XXXX and I returned to the link and completed the application. 

After that, I heard nothing from Chase. There was no confirmation that they received my application or the tax documents I submitted. The PPP fund is now out of money but Chase has communicated with me via their XXXX XXXX ( there is no way to contact Chase bank about the matter via phone and they have not responded to my secure emails in over a week ). Unfortunately, Chase has told me that I should have received an email email when my full application was submitted. I have this documented they said this. However, no other Chase small business banking client Ive spoken with received a confirmation email and all of our applications were denied for lack of funding in the PPP. I believe Chase may have a system issue that prevented applications from being processed and I would like a formal response from Chase as to whether the bank is in possession of my application and the confidential tax documents I submitted.
Consumer complaint received 2020-04-22
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-04-17
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 (NY)

We booked our trip with our American Express Platnium Travel to XXXX. We were on the XXXX XXXX from XXXX XXXX to XXXX XXXX and needed to get back to the United States due to the Covid-19 situation. We called American Express Travel and were on hold for a total over 2 days 412 minutes. The long hold time, incurred a {$1200.00} dollar phone bill with XXXX. I called American Express Platnium to discuss some payment reduction through Amex point system to help with the high XXXX  payment due to their travel department not answering. The whole reason one uses the platnium card and pays the extremely high annual fee is for the services you get as a card holder and the services you get from the Amex travel. This time Amex did not provide the services and because of their inability to do their service correctly, I incurred a {$1200.00} dollar bill. XXXX charged {$290.00} per minute. I spoke with the representative and a manager at Amex on XX/XX/2020. They refused to give any refund except {$100.00}. The calls made were on XX/XX/2020 and XX/XX/2020 and I have included the information in the documentation. I have been an Amex Platnium member for over 20 years. I cancelled the card on XX/XX/2020. American Express is not what they used to be, they should be ashamed and they should pay the {$1200.00} for their lack of holding up their end of the contract for a platnium member. They take {$500.00} a year for platnium and they charge {$39.00} a ticket to use their service, however they neglect to hold their end of the deal.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

In 2019 someone broke into my car and stole my belongings and my identity. I was not aware of this collection on my credit report opened XXXX XXXX .I made a police report The amount of {$1200.00} I should not be held responsible for this
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (GA)

On XX/XX/20, I attempted to contact National Credit Systems , Inc. to discuss the recent letter they sent in reference to XXXX XXXX and his incorrect reporting to them. I wanted to advise that I was disputing the amount and how to handle that but the representative that identified himself as the Account Supervisor name XXXX ( XXXX ). He then proceeded to yell over me when I was trying to ask a legitimate question and he told me " we don't discuss amounts here and you need to learn how to pay your bills '' and then hung up in my face. I called back upset and the receptionist told me that I was being profane because I was upset and she also hung up on me. My mother then called and asked to speak to the supervisor XXXX ( XXXX ) and was told that he was at lunch and that I we would not able to speak with anyone else and then they hung up. I was trying to offer a resolution but at this point, I am filing a Chapter XXXX and will be rid of them for good.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX, Experian, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for XXXX XXXX  ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair my credit!
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (FL)

During a fairly routine credit check I discovered a judgment against myself from " Savit Collection Agency ''. I was unaware of any outstanding debt and to this day still do not know where it came from. My credit card companies, auto loan, rental agreements and banks have all confirmed I'm in good standing, so it may not be mine. 

Regardless, the amount does not appear significant so rather than bother with disputes I simply wanted to pay this debt in full and have it, at a minimum, listed as settled on my credit report, if not paid-in-full. 

Unfortunately, the agency never provided me with any information in the first place. When trying to make a payment on their site, they redirect you to their customer service phone/email options. That's fine. 

Except you can not actually get in touch with anyone. I've left messages for the agency three times and can not receive any correspondence, despite me openly communicating that whether the debt is mine or not I want to pay them in full. One would figure that'd be an incentive to respond. 

So I have this judgment remaining on my credit report, I suppose indefinitely, because I can not just mail money off into the ether and assume it'll be removed, but I also can't confirm anything about the amount of my payment, the account #, where to pay, how to pay, etc. 

Terrible agency.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  IN 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-22
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. (FL)

On or around early XX/XX/XXXX I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

HELLO MY NAME IS XXXX XXXX MY SOCIAL SECURITY IS XXXX, I NEED URGENT HELP OR PHONE NUMBER IS XXXX. THE DAY XX/XX/2020 I WENT TO A MACYS STORE AND I WAS OFFERED TO OPEN A CREDIT CARD WHICH I REGRET 100 PERCENT, I AM A VERY HONEST PERSON WHO WORKED VERY HARD MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS, THE REPRESENTATIVE TOLD HIM I WILL BUY SOMETHING BUT I WILL PAY IT IMMEDIATELY FOR THE REASON THAT I DID NOT WANT DEBTS AND IN MY RECORD CAN SEE THAT MAKE THE PURCHASE WITH THE CREDIT CARD AND THE PAGE INSTANT, SHE TOLD ME YOU WILL RECEIVE YOUR CARD BY MAIL, THAT CARD NEVER ARRIVED ME, SOMEONE OPENED THE BOX MAIL AND ACTIVE MY CARD MAKING PURCHASES, IN THE STAMENT OF THE CARD YOU CAN SEE PURCHASES UP ONLINE WITH ANOTHER ADDRESS THAT IS NOT THE My ADDRESS, YOU ARE CHARGING ME SOMETHING THAT I DID NOT, TALK TO THE LANDORD OF MY APARTMENT AND I ENSINE PHOTOS OF TWO INDIVIDUALS WHO FOR THAT DATE STOLEN ALL MAILS AND LETTERS YOU CAN SEE MY CREDIT RECORD PAYING ON TIME I'M NOT GOING TO LET YOU GUYS EAT ME SOMETHING THAT I DON'T USE, NOR GIVE ME MY CREDIT I'LL SEND YOU THE PHOTOS OF THE PEOPLE WHO STOLE THE MAILS, AND THIS IS GOING TO HAPPEN TO COSTUMER FAIR BECAUSE IT'S NOT FAIR THAT YOU DON'T ASK FOR ID IN A MACYS STORE TO BE SHOPPING WENT OVER TO LIMITE THERE YOU CAN TELL IT WAS A Robbery
Consumer complaint received 2020-04-17
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 (GA)

I am submitting a formal compliant to request resolution of my XXXX XXXX cruise payment of {$2000.00} refunded back to my American Express account. In good faith I booked my trip with XXXX XXXX prior to the COVID-19 outbreak. On XX/XX/XXXX, The United States, State Department advised all Americans not to travel on any cruise ship due to the COVID-19 pandemic, warning that cruise ships presented a higher risk of coronavirus infection and made U.S citizens vulnerable to possible international travel restrictions, including quarantines. I canceled my trip with XXXX XXXX XX/XX/XXXX and requested my {$2000.00} refunded back to me. They stated a credit would be offered and I advised them that is unacceptable and cancelling the trip was out of my control. I booked my trip along with my family and we all had to cancel our trip. My family members were given their refunds back, but XXXX XXXX is stating I can only receive a cruise credit to use by XXXX. This is unacceptable based on the current crisis we are currently facing with COVID-19. I dont know if or when taking a cruise will be safe again. I spent {$2000.00} on my cruise trip and this is a large amount of money to hang in limbo. I do not know if I will ever feel comfortable taking another cruise and my {$2000.00} should be refunded back to my American Express card. I filed a complaint with AMEX and they refunded my {$2000.00}, but XXXX XXXX stated their policy states they would not refund, so AMEX reversed the {$2000.00} again. The XXXX XXXX policy is outdated based on the unprecedented crisis we are in with COVID-19. Along with the fact that canceling my trip was out of my control and strong advisement from the United States, State Department XX/XX/XXXX notified all Americans not to take cruises. I can not not afford to have {$2000.00} of my money hanging in limbo with XXXX XXXX, thus I am requesting to have full refund placed back on my AMEX card.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

Subject : my Mortgage overpay is lost My name is XXXX XXXX I bought a house on XX/XX/2020 My lender was XXXX : XXXX XXXX # : XXXX My first payment was due on XX/XX/2020 with the amount of {$3600.00} I made payment by phone on XX/XX/2020 with the amount of {$5500.00} i.e. I overpaid {$1800.00}. My mortgage agreement allows me to pay more. 
I have all the receipts that prove this fact. 

The XXXX  did not put the overpay towards my principal, they just keep this amount {$1800.00} and refuse to return back. 

I contacted them multiple times by email and phone ( I have all the emails ) They confirm the fact that received overpay from me, but refuse to put it on my account or return back to me.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.