davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: National Credit Systems,Inc. (IL)

National Credit Systems , Inc . Spoke with XXXX XXXX at XXXX. 

I received an alert from my credit monitoring company on Friday, XX/XX/2022, that an update to my credit file was available, when checking my account, I found that National Credit Systems , Inc. had placed a collections account on my credit file, which instantly dropped my credit score by approximately XXXX points. I contacted XXXX XXXX and explained that I had received calls and letters from his company and spoke with them and told them and XXXX XXXX that this account was not mines. I explained that I have only lived in XXXX  and that my daughter, resides in XXXX XXXX and that we do have the same first and last name, but our Social Security numbers are not the same. XXXX XXXX stated that the leasing company XXXX XXXX hired National Credit Systems , Inc. to collect the outstanding lease balance due and gave him information with my name, social security number, address and phone number. He also stated that my daughter used my social security number to secure the lease property. He stated that he could not provide me with any documentation that shows that her application for this lease that was applied for and approved on-line, but that my daughter needed to contact the leasing company. I told XXXX XXXX that I am familiar with skip tracing practices and that is the only way that he could have tied my personal information with that of my daughter based on us having the same name and that she once resided in XXXX. I asked XXXX XXXX to supply me with documentation that proves that my daughter used my personal information on line to be approved for this lease and he stated that he did not have anything from the leasing company other than my personal information. XXXX XXXX asked me to supply him with a copy of my Driver 's license, Social Security Card and Credit Report. I did not feel comfortable submitting any documentation to him, because it is not my debt. XXXX XXXX told me that I only had two choices, one was to pay the debt myself and try to get my daughter to own up to the fact that she used my identity, or to file a fraud/felony report on my daughter and threatened that she would be arrested and prosecuted. XXXX XXXX could not provide me with any documentation to prove that my personal information was used to apply for the rental home. Again, I believe that some sort of skip tracing was used to trace the aforementioned to me and my personal information. THIS IS NOT MY DEBT AND I WANT THIS REMOVED FROM MY CREDIT REPORT. I AM A XXXX XXXX AND I FEEL THAT SCARE TACTICS WERE USED BY XXXX XXXX TO TRY AND GET ME TO PAY FOR A DEBT THAT IS NOT MINE. HE EVEN TRIED TO GET ME TO PAY BY CREDIT CARD STATING THAT HE WOULD REDUCE THE AMOUNT OWED BY {$2000.00} IF I AGREED TO PAY THE DEBT. PLEASE INVESTIGATE AND HAVE THIS REMOVED FROM MY CREDIT REPORT, BECAUSE THIS IS NOT MY DEBT!
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

I had used CHASE British Airways Credit Card. They charge me {$95.00} Annual fee, and in return Give me XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX point for other purchases My complaint is about the XX/XX/2022 thru XX/XX/2022 statement. 

I spent the following on XXXX XXXX XXXX  purchases following XX/XX/2022 {$1900.00} XX/XX/2022 {$2100.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$63.00} Total : {$5900.00} I cancelled one XXXX  ticket purchase and thus refunded, the following XX/XX/2022 - {$2100.00} The Net purchases of tickets on XXXX XXXX  {$5900.00} minus {$2100.00}, = {$3800.00} Total XXXX points for XXXX XXXX Purchases XXXX XXXX = XXXX Total XXXX  points for general purchases during statement period is XXXX Total XXXX  points which should be awarded after during statement period should be XXXX plus XXXX = XXXX However, Total XXXX Points awarded was only XXXX I have sent several messages to the Chase Credit Card and they are giving vague answers and not correcting by transferring the additional XXXX XXXX points into my British Airways account to correct the error Please get it fixed so that I can purchase tickets using these XXXX  points Even their statement states that I earned XXXX points, but they only transfered XXXX points XXXX XXXX
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance has been and still is to date, violating my federally protected rights not only under the TILA but FDCPA and the FCRA. Credit Acceptance is using Extortionate means to coerce and swindle me into paying a alleged debt that is primarily for family, personal and household use violating 18 USC 894. It is unlawful to punish a consumer on an extension of credit and the employees/agents of the company that has handled this account assume criminally liable and can face up to 20 years in jail. Credit Acceptance has violated the FDCPA infringing upon my rights to privacy, sending a 3rd party repo company flashing there lights on my home with the intent to harass and oppress me into paying the alleged debt disregarding my Cease and Desist violating 15 USC 1692c ( c ) and 15 USC 1692d. I am now ACTING IN GOOD FAITH giving your company a chance to rectify this dispute. Check attachment!
Consumer complaint received 2024-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I have been receiving bills at my home address & phone calls on my personal cell phone number from some company called Transworld System Inc regarding a debt they claim I owe, I guess on behalf of XXXX XXXX or something? 
I have NO contract or obligation with this company. I sent them a letter on XXXX of XXXX, XXXX  requesting verification of debt owed, ( authentication and verification of debt claimed owed including but not limited to a securitization XXXX XXXX of all accounting, the original instrument with the authenticated signature of the debtor ) as well as the company 's XXXX XXXX I received NONE of these things. I got some soppy wet package from XXXX yesterday, XXXX XXXX, XXXX, in the mail which I reviewed. It was a bunch of credit card statements? I refused the package and am sending it back today, XXXX XXXX, XXXX, along with a second letter see both letters attached below.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle. 

The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease. 
Amount financed {$33000.00} by Ally Auto Finance. 

The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX. 

I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check. 

I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ). 

I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given. 

Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This company has violated the fair credit consumer act 15 USC section 1681i,. They have reported something on my credit report illegally not mine, I received a letter from this company on dated XX/XX/2019 on the letter, stating I owe a debt to them, I immediately sent a certified letter to validate the debt on XX/XX/2019 because I never had a bill or recognize this company.On XX/XX/2019 they reported the item on all three of my credit reports. It hasnt been 30 days from date of letter, an Ive never had any business with this company. Please advise them to remove this account from my reports, because it isn't mine, also they have violated the 15 USC section 1681i act.. If its not updated I will sue!!!
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Plastiq Inc. ()

# 1 On XX/XX/2022 as XXXX of my company, I signed my business up for a Plastiq account to receive payments from customers. They requested my private banking information as part of the sign-up process.

# 2 I received an email later that day that my application had been rejected, but I was provided no explanation. I noted that I could still login to their website portal, and they persisted in storing my private bank account information.

# 3 I immediately contacted support asking for clarification why my application was rejected. I received no response.

# 4 I followed up again on XX/XX/2022 and asked again why my application was rejected and also requested that my personal banking information be deleted from their system. 

# 5 I finally received a reply the same day. They refused to answer why my application was rejected. They refused to confirm whether my private banking information would be permanently deleted from all their systems.

At this point, I have no trust whatsoever in this company and their ability to protect my private information.
Consumer complaint received 2019-08-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I was behind on my mortgage after having a baby. I was owed an escrow check from Freedom Mortgage for XXXX. They informed me once I was current on my mortgage that the check would be issued. I get paid once monthly and recieved my check XXXX XXXX. I called Freedom Mortgage and got current on my payments through the end of XXXX, which took my entire paycheck. I inquired about my escrow check and informed them that since my mortgage was current, I'd like my escrow check to be sent to me. The woman that I spoke with said it would be mailed. I called Freedom Mortgage on XXXX XXXX to inquire about the escrow check as it hadn't arrived yet. I was informed that the woman I spoke with on XXXX XXXX didn't put a ticket in to have the check cut and mailed to me. I then asked to speak to a manager. I spoke with an individual named XXXX. XXXX  informed me that due to their error, they would escalate the process so the check would come sooner. He wouldn't give a date, but just said sooner. The check had not yet arrived on XXXX   XXXX, so I called again and asked to speak with XXXX. I instead spoke with a representative that informed me the check wasn't due to arrive unil XXXX  XXXX which was completely unacceptable. I asked to speak with a manager. I spoke with XXXX (ID XXXX, ext. XXXX) and shared my frustrations with him. I informed him I would like the check overnighted due to their incompetence. XXXX  said he was able to get the check overnighted, and according to call notes, it was overnighted on Thursday XXXX XXXX, 2019. As the word overnight implies, I expected the check Friday. It didn't arrive. It also didn't arrive Saturday, so I called again. I was told a manager wasn't available. I asked for a tracking number for the shipment. If it was truly overnighted, there would be a tracking number. The representative I spoke with was unable to provide me with one and said she would work on getting a manager to speak with me. She informed me that overnight means 3 to 4 business days. I'm no scholar, but overnight means just that, over night. I never heard back from a a manager. I called again today to inquire about the check. XXXX  was unavailable. The check still hasn't arrived.
Consumer complaint received 2019-08-19
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: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX   XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (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 2022-11-30
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. (MD)

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraudulent items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them REMOVED from my credit file.Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Below are the items that need to be deleted : XXXX 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 XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} 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 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 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Today on XX/XX/2019 looked at my XXXX report and seen there was a collection on my Account from Afni, Inc. So I called and spoke to XXXX at XXXX the number that was on my Credit report she not only let me explain to her I do not have no idea what this debt was and I also made it clear that this account is not mine , first off the company has not sent any information to me to know about this debt they are just throwing it on my credit report without any validation , she stated the number that was on my credit file she didnt know who I called I told her I thought this was Afni because that what it states when you dial the number she insisted on giving me another number to Afni because the number I called her on was not Afni but yet she answers the phone as Afni not only do I feel this is shady practices but the fact that no validation was received or it is not my account I want it removed from my report ASAP or I will seek legal action against the company due to their shady practices .
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I refinanced a total of 6 properties with Wells Fargo during my divorce in XXXX XXXXXXXX At time of refinance Wellz Fargo took tax, insurance and XXXX  fees out of the closing costs but failed to make the payment to XXXX XXXX for 2 properties, 3 tax bills and XXXX  fees. Due to nob payment my insurance company dropped my coverage and is refusing to reinstate the insurance policies. I have 3 leins on the properties due to failure to make payment to tax collector and XXXX  fees. I only discovered this when I attempted to file a claim with my Insurance company at my apartment building for sewar damages. Wells FArgo is refusing to help and/or communicate. I have attempted forn2 weeks to get a resolution for all issues.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

Marcus by Goldman Sachs bought out the GM credit card and took over the operation of the card. Once they took over the account i have paid every month in full and NEVER carried a balance. Even though the balance has been paid in FULL before the DUE DATE Goldman Sachs has charge an interest payment every month. this was not part of my original agreement with GM card. I tried calling and resolving this two time and ws told even though i paid the balance in full an interest charge will occur every month how???? 
please call i have all documents thank you XXXX
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a bank statement today, XX/XX/13 in the mail for an account opened in my name at Bank of America. I called the customer service phone number today XX/XX/13 and was told they can not tell me anything about the account because of privacy laws. Never-mind the fact that someone has opened an account in my name with my social security number but they are so worried about privacy laws and yet nobody can explain how it was so easy for someone to open a fraudulent bank account in my name. I was told it would take up to 90 days for them to investigate and was not even given a claim number or any documentation about this claim. So basically no peace of mind was given to me and the man on the phone sounded like he could care less.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC (TX)

On Wednesday XX/XX/2019, I had an exchange with a representative from Aurora Financial - NMLS#XXXX, XXXX XXXX XXXX. My original mortgage was with this company and they offer and advertised a no cost refinance solution (attached a screen shot of the page on XX/XX/2019). The rep refused to offer this program to me which would have brought a refinance 15 year rate to 3% based on what was advertised. He claimed that the offer was only valid for customers who had created a loan in the last 6 months. This was not indicated anywhere. The rate was supposed to be based on the 15 year 30-day RNY + 0.5% margin (which was at 02.52571 on XX/XX/19). The loan officer told me they would not offer the advertised program to me. I believe it could have possibly been discrimination and/or false advertisement of a program. I mentioned to the rep that I would be filing a complaint, and since then they have updated the terms of the program online and raised the margin spread. I have attached a PDF of the original page, and I have an email exchange with the representative from XX/XX/19.