davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I am responding to an inquiry on my credit report from Southwest Credit Systems about collecting a debt that is not mine, and that I do not owe. You contacted me by phone on several occasions and refused to identify yourselves and provide any information regarding the alleged debt. After further investigation on my part, I see from my credit report that the originating company is XXXX, with whom I have current service and an up to date account, with account # XXXX XXXX XXXX XXXX. This is the only account that belongs to be with XXXX. 

I have been in dispute with XXXX since transferring my service from one address to another back in XXXX 2019. I contacted XXXX 30 days prior to moving to notify them of my move so that services could be transferred. I also confirmed the total amounts due, which I paid in full. XXXX made several mistakes from that point on, prompting several more calls back to them to resolve. Then, they still failed to turn the services off at the old address, and someone else has been using the services in my name. I have filed a fraud claim and several disputes. 

This is NOT my debt and needs to be removed from my credit and any other associated accounts with my name or I will pursue legal action as this has negatively affected me. 

I do not have any responsibility for the debt you are trying to collect. 

Unless you have documentation that you can provide to me at the address above, that proves this debt belongs to me, which is impossible, as this is not my debt, this item needs to be removed immediately. 

Please also stop all other communication with me and with this address, and record that I dispute having any obligation for this debt until it is removed. Additionally, since this has been reported to the credit bureau, please update that this is disputed until it is removed. Again, this should be removed from anything associated with my name and /or address. 

Thank you for your cooperation.
Consumer complaint received 2020-08-01
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 this back in XXXX XXXX it now has been 4 times and they will not send me a wet copy of the original sign contract per FRCA SEC 61 .A 1.A. 609 5A. IF NOT RESOLVED soon I will file suit in 30 days ill have no choice covid 19 Nd this forced lockdown with no work no one to help and the3se negitive items that are not true now the SBA w0nt give me a grant im drowning no help n n0 0ne cares please help you could be my finL hope.XXXX XXXX XXXX account # said xxx. XXXX please delete
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I was attempting to obtain an investment loan for my small business and the potential investor notified me that my credit report was frozen through Experian. I do not have an Experian account nor had I ever requested a credit freeze. I was also never contacted by Experian to be notified of the freeze. I was unable to use the Experian website to unfreeze my report because I do not have an account. It took two hours of calling different phone numbers and searching online before I was able to bypass the automated phone system and speak with a live human being. They were able to remove the freeze, however, I am reporting them because the freeze should never have been initialized in the first place. As said previously, I DO NOT have an Experian account and I NEVER requested a credit report freeze. This unauthorized activity nearly caused a catastrophe with my business finances.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc. (AZ)

Factual Data is a credit reporting agency that is affiliated with most lenders, banks, and mortgage companies. 

The information that Factual Data has stated that they list on their credit reporting database is generated from the three major credit bureaus. 

However, the information that Factual Data has listed is dated and old and outdated. I have in the past on multiple attempts contacted Factual Data both via US Postal mail and phone calls and the issue still persists and has yet to be corrected to date. 

I have again recently within the past week requested a current copy of my personal Factual Data credit report, and I was sent an old report in the mail that was dated from XX/XX/2019 and still shows inaccurate and outdated information and details.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (LA)

on the week of XX/XX/XXXX I called Credit Acceptance I spoke with a gentleman about losing my job I was told that I qualified for the covid protection program and that for 90 days I did not have to make a payment or will receive a call about making a payment .He stated that when I could make a payment to just do so. That same week I set up a payment arrangement to pay {$20.00} on XX/XX/XXXX and which I did. So that next week I got another call explaining to the the young lady that I was in the covid protection program which she stated that I needed to still payments and call in in which told her that I was never told that. So I made another {$20.00} payment the same day. So on last Tuesday XX/XX/XXXX they spoke with my co signer which he stated that he would make the payment but due to personal reasons he could not, he too stated that I was in the covid relife program. So on today XX/XX/XXXX, I get another phone call stating that I am not in the covid relife program and that I could not even set up an arrangement for XX/XX/XXXX plus they would still call me daily to try and get a payment when clearly I have nothing to give them at this time. They call me at least 3 times a day and leave voicemails and they call my cosigner and do the same as well. At this point why would somebody say I will be okay for the next 90 days but I still get harassed daily.
Consumer complaint received 2021-12-27
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX submitted complaint no XXXX on problems during payment process making it difficult to make payment due to portal issues and bad customer service. That was part of the total complaint. The second part was not resolved. That is the nature of this complaint. Escrow account increased as it relates to insurance from XXXX to XXXX per year. After review of insurance with XXXX agent, net increase on all insurance coverages and not all paid by escrow was {$1000.00}. A difference between XXXX and XXXX insurance of {$2600.00} while actual insurance is significantly less than that amount. Need cfpb to impose sanctions or something to make this lender stop these practices since it appears that they have no respect for customers and oversight agencies.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

This started last year that we missed the payment due to our vacation trip, we're charged Late Lee ( LF ) and Interest ( I ) but was reversed upon request, which we appreciated. 

On XXXX, we called disputing the total charges of {$32.00}, after a lenghty talk the CSR said she'll try to waived the OTHER LF & I, we then paid the {$17.00}, leaving a balance of {$15.00}, supposedly they will waive. 

We then requested a copy of the statement dtd XXXX and was received. Talked to them again to waive the {$15.00} as pormised, this time based on their XXXX.Statement send On XXXX, Why didn't they gave me the balance then, we assumed it's still {$15.00} but to date ( XXXX ) Talked to XXXX XXXX when asked, it's NOW {$49.00}, representing 2 LF+I, but never received the XXXX Statement. 

Can you imagined instructing us to talk to our Bank, what's our bank got to do with their LF-I?! 

They even reported me to the XXXX for measley {$15.00} arrears, which was not fair afterall my XXXX score was XXXX and was pulled down to XXXX. Unfair from a lousy company to do that w/o checking XXXX background.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I purchased 4 flight tickets from XXXX to XXXX  using my Chase Sapphire credit card - where Chase Reward is considered to be the travel agent, order number XXXX. The Total amount was {$3800.00}, which {$800.00} came from the amount as credit earned points and the rest - {$3000.00} as the balance charge. 
The flight was scheduled to leave XXXX on XX/XX/XXXX and return to XXXX  on XX/XX/XXXX. 
Due to the COVID19 situation I realized that we may not be able to get on the flight due to the fact that the country of XXXX closed the sky for tourists and those that were allowed to get on the flight ( XXXX Citizens ) will be requested to stay in self quarantine of 14 days. 
We made many phone calls to the airline company while we were waiting on average 2 hours in order to get a representative on the line - the conclusion was that the airline company can not communicate with us directly since we purchased via a travel agent ( Chase Reward ). I was trying to contact Chase rewards for a few weeks, spending over 3 hours on the line to get a representative until the line was getting disconnected over and over. I had a chat with Chase Cards to dispute the transaction however I decided to wait to see how the COVID19 situation will develop. Our scheduled flight was eventually cancelled and rescheduled to an unknown date where Chase Rewards still did not provide any support and or explanation. On XX/XX/XXXX I held a call with Chase CC dispute and after a long call the representative agreed to start a dispute process. On XXXX, XXXX, XXXX I received a letter asking for more explanation. We provided a highly detailed letter of explanation, mailed it, faxed it, and handed it into Chase branch to deliver to the dispute department. A week after I saw that I had a missed call from a restricted number followed by a voicemail which was not clear and no phone number for a return call was provided. On XX/XX/XXXX I received another letter asking for more details about the transaction. At this point I feel that the credit card company does not protect my legal right to dispute the transaction and receive the funds back along with the interest rate. Obviously I did not cancel the transaction and the service provider couldn't deliver the service which we agreed upon on a specific date. Chase credit cards are part of this world pandemic and they are aware to the face that many flights were cancelled due to this. For some reason it seems like they try to drag their legs and to find any possible way to decline my legit dispute. As a client of Chase Sapphire I have the expectation that the company will protect my interest as their client.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AZ)

Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed. 

I am not responsible for this account and should not have to be effected for the negative impact on my credit report.
Consumer complaint received 2018-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My wife and I have had a Home Equity Line of Credit on our primary residence located at XXXX XXXX XXXX, XXXX XXXX, NJ with Citizens Bank of PA since XX/XX/XXXX. I have received statements from Citizens Bank each month which I track how much I owe and have been able to balance my statement correctly with the information I have until the XX/XX/XXXX statement. See attached statements from XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX statement information ( last months previous balance minus payments plus interest/insurance/fees ) did not add up to the New Total Balance. The New Total Balance was {$50.00} higher than what it should be with no information as to what the {$50.00} discrepancy was on the statement. 
I called the Customer Service phone number several times and spoke with representatives ( each time escalating to the next line in management ), the final conversation with a Customer Service Manager ( XXXX XXXX ) who stated that the {$50.00} was added to our outstanding balance which represented the approximated cost of the Recording Fee ( s ) when the loan is paid off. After much conversation in which I tried to make them understand that the fee had not happened yet they insisted that the {$50.00} fee would remain in the outstanding balance. 
I am financially astute and understand how to check the Daily Periodic Rate as well as the Average Daily Balance which is how the interest charged on the monthly statement and have found that Citizens Bank is charging me for interest on the {$50.00}, which they say is not being done. I dispute this as the Average Daily Balance includes the {$50.00}, so I am being charged interest on a transaction that has not taken place. 
While the {$50.00} incurs a small amount of interest for me, if the total number of accounts that Citizens Bank has possibly done this to adds up to quite a nice amount of money for them.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (ID)

Experian Company credit reporting has locked my personal profile. I am unable to change my password, pin, and other security information. 

This information along with my SSN was requested by Experian Company specialist agents each time I contacted the company regarding my concerns how they are displaying my credit report.

Experian Company credit reporting website informs my information has been found over 10 times.

I considered Experian Company credit reporting has exposed my information to fraudulent activities. Experian Company credit reporting website informs I must upgrade to their premium package if I want my information protected.

Experian Company credit reporting website informs that ID monitoring from their company 's plan is needed for my account because it is unprotected on their website. If I want protection for my information, I must upgrade to their premium or other offered packages, but protections are not available in the free package. 

Therefore, it is important to have access to change my password, pin, and security information on Experian Company crediting reporting website. But I am unable to complete the process because Experian Company has disabled my ability to make changes to my personal profile on their website.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a promotion e-mail from American Express Delta SkyMiles around middle of the XXXX to use there credit card when you purchase travel ticket and get the first checking luggage free. 

Earlier XXXX, I called American Express to confirm this promotion and the customer service told me it's true promotion when you use there American Express Gold card to purchase the traveling ticket. 
I purchased my ticket around XXXX and XX/XX/XXXX. I called XXXX XXXX customer service at least 3 to 4 times to confirm the American Express Delta Gold card promotion. Likewise I called American Express customer service also 4 times where one person told me that if XXXX XXXX charge me for the first luggage American Express will reimburse me. I remembered that I called both on XX/XX/XXXX before I travel out. My phone record will proof of my contact with both partners. 
I had a receipt charged {$200.00} for the 3 luggage. I flew international flight and I am require to 2 luggage 's regardless. I called American Express to dispute the charge and I was giving credit with an e-mail conformation of the credit. A month later, the charge was put back to my account. I called American Express card customer service supervisor that promise to investigate and states to call me back in two weeks. Until now, there was know nobody call me to solve the issue till now.
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NY)

I wouldn't know my credit report was damaged until I planned to get a pre-qualification letter. I never think of that I will have problems with my credit score because I always pay off everything on time. But my bank Mortgage specialist told me that I did have a Collection reported on XXXX! I tried every way to look it up, found out that is a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX  which I have ZERO knowledge about this company or NEVER received ANY letter from this company!! SO I called XXXX  to dispute the collection, also asked how this happened, the customer rep provided me with a number to call CREDIT MANAGEMENT. I called CREDIT MANAGEMENT, a lady who answered my phone asked for my whole SSN, my last name, my mailing address, she answered me that I have no collection under my name! I told her that there's a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX. She put me on hold, after a few min, she asked for my birth year, and my first name. Then she told me that the one who is under that collection has the same Last name as mine, but her birth year is XXXX, mine is XXXX, plus we both have totally different mailing address! Which is a ridiculous mistake!! How can a collection company made this kind of funny joke to high impact on a person 's credit score? So the lady told me to hold and transfer me to their customer relation, which made me wait for more 20 min on the phone, ended up with asking me to leaving a message for them to call back on an auto machine setting!
Consumer complaint received 2021-03-06
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. (MN)

There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. Thank you.