davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

XXXX XXXX FOR {$240.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CA)

I have a problem with Western Union. in XXXX/XXXX/2020 i transferred {$2000.00} to XXXX using my account in Western Union, and i Paid fees {$27.00} more than the regular fees that anyone would pay if transfer same amount to same country using same method which is {$7.00} fees to pay using Bank account. 

I called the customer service of Western Union to demand a reimbursement to the overpaid {$20.00}, but they refused. This is a scam, and not fair if one member would pay fees {$7.00} and another would pay {$27.00} under same circumstances. 

For more details : the transaction that had an issue is Tracking # ( XXXX ) : XXXX XXXX XXXX
Consumer complaint received 2021-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up
Consumer complaint received 2021-01-09
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2021-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

since covi 19 my loan # XXXX at Chase Mortgage, I am struggling to make payments, Chase promised to put missed payments at end of the loan and they have failed to do so as of XX/XX/21, they Harass me and they need to mail me a statement showing the balance with the payments missed added, Chase makes Billions every quarter and Chase got COVI monetary help to help all loan holders like me struggling to make the payments Due to COVI19. XXXX XXXX loan # XXXX my address XXXX XXXX XXXX XXXX Fl XXXX email XXXX I did send complaint today at state attorneys general office also.
Consumer complaint received 2021-01-10
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: General Motors Financial Company, Inc. (SC)

I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX  XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MD)

Flagship Credit has continuously reported increasing balances. By law after 30 days is late!

I have never paid past 30 days. Because if COVID 19 and this pandemic I have not paid on the due day exactly but never late! I am granted grace period. They are dropping my score reporting increased balances. Where are the increases coming from? It is not legal!!!! They financed this car that breaks down and not even reliable and 3 months later the dealership closed, Im seeking out this loan ASAP! Nothing but fraud, high interest! They report incorrectly!!!!! Inaccuracies in balance and I am known going to seek action.
Consumer complaint received 2021-01-10
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: Experian Information Solutions Inc. (CA)

I disputed these accounts on my credit report with XXXX XXXX  and experian. They all conducted an investigation into my complaint on these accounts. Upon XXXX  and XXXX  completion of investigation, the accounts were removed from my reports. Experian is reporting the same accounts but refuse to remove them. By law if a company is reporting to all 3 bureaus they can not just remove information from 2 bureaus and leave the same inaccurate information on one report. They must remove it from all 3. I have shown proof to experian of these removals and they are still reporting this information despite my documentation of proof. This goes against the standards of the fair credit reporting act. Experian has yet to provide physical proof showing why they are still reporting these accounts on credit report. It is harming my ability to obtain credit and employment, due to this negligence.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On my Bank of America Spirit ( airline ) credit card I setup auto pay to pay. In XXXX I got an alert on my phone that I had a balance of {$68.00}. I had made no purchases on the card so I called customer service. At that time I was told the charge was for the annual fee. Having had setup auto pay I was confident it would get paid. When I went online to check the account on XX/XX/21 I found that was closed with a XXXX balance. Confused I called customer service to find out what happened. I was told that once my account goes to a XX/XX/XXXXbalance that auto pay is turned off. Once auto pay was off the annual fee never got paid and once I was 3 months delinquent the account is closed. 
So, to review since my account had a XXXX  balance Bank of America took control of my payment method and canceled auto pay. Then charged the card the annual fee without my knowledge. Three months later they contacted me to pay {$68.00} which I did but they neglected to mention my account was delinquent and was being closed. Then they reported the delinquent account to the credit bureaus and negatively affected my credit rating and caused decline when I applied for another credit card. 
Cancelling auto pay is totally wrong especially with no notification. I feel its a way for Bank of America to collect more late fees and charge higher interest rates to generate more revenue.
Consumer complaint received 2021-01-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

From XXXX XXXX many Federal Government complaints was filed against Prestige on fraud and corruptions of vehicle loan and purchase in XXXX, Texas on around XX/XX/XXXX during my Bankruptcy Chapter XXXX proceedings in XXXX, Texas. 

On around XX/XX/XXXX or XX/XX/XXXX the vehicle was Voluntary Surrender in excellent conditions to Prestige Administration. 
On XXXX XXXX there is a collection for {$10000.00} and {$7600.00} in which on my XXXX, XXXX, XXXX credit report is very damaging. 
Prestige has a Collection/Charge off on my credit report and damaging my credit. 

This debt shouldn't be on my credit report or any where on my Consumer Report. 

I am XXXX XXXX and Retired and a XXXX XXXX XXXX XXXX XXXX. 
Prestige Financial Administration is in violation of my ADA Disability Civil Rights Act under Department of Justice.
Consumer complaint received 2021-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My social security number has been compromised my financial information is being used the my permission I'm able to file police reports I hired a lawyer to contact any entity concerning Financial student aid social security banks debit cards or credit cards anything concerning my personal information and it's illegal usage it needs to be stopped now on my name is XXXX XXXX my phone number is XXXX and we will win ... 
My attorney 's phone number XXXX XXXX XXXX getting more questions
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

Sent a letter to XXXX XXXX XXXX in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

Sent a letter to National Credit Adjusters in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (KY)

My used vehicle loan is with Santander Consumer USA. I noticed that even though I have been making payments towards my loan, the balance never seemed to decrease. I will admit that the interest is pretty high due to my credit score and they did provide me with payment assistance in the past however, upon a review of my transaction history not XXXX XXXX has been applied towards my principal balance since XX/XX/XXXX. Surely this is an unethical practice of business. If my calculations are correct, I've paid roughly {$8600.00} since XX/XX/XXXX and not XXXX cent has gone towards the principal balance. I contacted Santander on XX/XX/XXXX requesting an audit of my account. I was advised today that they emailed me my transaction history, which I had already obtained through their online account portal. So their response was useless. This company has a record of taking advantage of their customers and illegal business practices. They prey on the vulnerable. Your assistance and investigation into this matter is very much appreciated. Thank you.
Consumer complaint received 2021-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported on multiple occasions to Transunion and XXXX XXXX XXXX by writing letters disputing the inquiry being reported that I never authorized. I have had identity theft in the past which I included in my dispute letter. This inquiry from. XX/XX/2019 needs to be validated and proof that I authorized this inquiry needs to be provided otherwise it needs to be removed from my credit report immediately!
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capitol One has not contacted me to address their obligation to the costs I was forced to pay, the financial damages, the postponement of a remodel project that will result in a 50 % increase in materials and labor and financial freeze I was forced into to fight this malicious attack.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

File an complaint on my credit card account number XXXX on the XX/XX/2020 could'nt make a payment on my new balance because of primary was deceased & cut the off would like some one to look in to the credit card from day one with my okay
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Recipient, Bank of America is using a term Corporate Card loosely with another type of card Business Card. The two cards should be the same balance, as was reported over the phone ... because the Business Card reports all transactions and all payments go to the Corporate Card as listed without showing any transactions. Why they do this is very strange. My two balances are not the same, lied by the phone attendant and manager. One is {$13000.00} the Corporate Card, and the Business Card with transactions is {$10000.00}. Where is the XXXX difference on the transactions Business Card that didn't show up on the bigger balance of the Corporate card that I am responsible for.

In addition there is another Corporate account setup with a balance of {$2600.00} and a corresponding Business account balance of {$0.00}.

Very dishonest and terrible banking. I want a lawsuit on Bank America and a sum of money.

Now, on a separate issue, I declared a dispute on XXXX XXXX XXXX XXXX XXXX for non payment of {$15000.00} of non payment of insurance claims that were reported 2 months ago. XXXX XXXX CEO must be contacted for this. 

Bank America Card ending XXXX ( Corporate ) and Business XXXX The other Corporate Card is XXXX  and the corresponding Business card is XXXX.
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

They are reporting that I have an unpaid debt with them of {$1500.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 178 consumer complaints listed on the XXXX XXXX XXXX XXXX website. It is also listed that they are based in XXXX XXXX, XXXX  and I have never lived in XXXX  in my life. I live in XXXX. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (AZ)

I would like to file a complaint against Cavalry Portfolio Services, XXXX and XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX and XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XXXX, XXXX, and XXXX. To which XXXX and XXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and Calvary Portfolio ServicesXXXX and XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.
Consumer complaint received 2021-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (IL)

Chase Auto is attempting to collect on a payment that has already been taken from my Chase banking account. I have made consistent on time payments that automatically get deducted from my Chase account and sent to my Chase auto loan. Chase auto claims they never received the payment made in XX/XX/2020. However, my bank shows that it was paid. Ive experienced extremely long wait times to talk to people and no one has been helpful. I was finally told that someone would investigate the issue and follow up with me in two weeks. I was told to take no other action until the investigation was completed. However, Chase Auto has reported a past due balance to the credit agencies and my credit score has dropped significantly. Im in the process of refinancing my mortgage and this is causing major issues.