davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NJ)

On XX/XX/XXXX I received an Alert from my credit reporting MYFICO that a New Collection was added to my credit file. I had made a previous complaint BUT may had listed the incorrect collection agency. On XX/XX/XXXX I had placed a complaint with CFPB # XXXX and had placed the complaint against Southwest Collection. This may be the wrong company. I was not aware that there is similar collection company names. The correct name I am complaining about is Southwest Credit System is Texas. My complaint is that Southwest Credit Systems have reported to all three credit bureaus of a new unpaid debt from XXXX   of XXXX. This negative and inaccurate reporting has damaged my credit lowering my scores. The XXXX  account is XXXX. I contacted XXXX  and spoke to XXXX. He checked the account and could not find any history because it has been fully closed since XX/XX/XXXX. The account was fully paid and closed. Southwest Credit System claims account opened on Now XX/XX/XXXX. This is false and inaccurate. I never had opened any accounts from XXXX  on XX/XX/XXXX. I called Southwest Credit Systems but they refuse to give me further information on how they came about with this debt.This has hurt my credit file and now i am unable to purchase a home in the spring season.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (MO)

After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report. 
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
Consumer complaint received 2019-01-31
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. (CO)

Opened a XXXX XXXX XXXX XXXX XXXX account XX/XX/2018 for {$5000.00}. 
24 months no interest. 
I have made 13 payments of {$210.00}.

I purposely paid an extra month.

I have gotten repeated late charges of {$35.00} and/or {$25.00} not sure of why the difference.

I have called and spoken to them 3 times. I sent a secure message twice.

When I ask about extra payment, they don't really explain it.

When I ask what SPECIFIC day they need payment to avoid late fee, that also is obscure. It's very confusing. Payments received before the XXXX or after XXXX are for different months. But when I say you charged me a late fee on the XXXX and received payment before XXXX, you post payment to that month. 
Anyway, I'm very confused.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I want to complain about XXXX XXXX XXXX, servicing by XXXX. This company gives an extremely hard time to customers in order to remove PMI. 

I bought my house in XX/XX/XXXX, by paying 10 % down payment and paying {$100.00} PMI ( mortgage insurance ) each month. In my loan document, it says I could pre-pay more principal anytime to make the loan amount < 80 % of the house purchase price and remove PMI. However, from early this year around XXXX XXXX, I contacted XXXX  to ask about how to do pre-payment of principal and remove PMI but I was told I was not allowed to pre-pay any principal and remove PMI in the first two years! In the summer around XXXX, I called and got the same answer. However, my loan document has NO such rules. 

Finally, XX/XX/XXXX, I found out I COULD pre-pay more principal on the online account and my loan to house value ratio became around 79 %. Immediately I requested online to remove my PMI. Later I called their insurance division and was told it would take them at least 30 days to review my request but later was told they were sure I could not remove PMI because of some government rules but they refused to tell me. 

On XX/XX/XXXX, I found on the online account, it wrote : " The Homeowners Protection of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. If you do not request cancellation, and you are current on your loan payments, then PMI will terminate automatically : On the date the principal balance of your loan is first scheduled to reach 78 % of the original property value. '' I immediately paid more principal to make the ratio of loan to house price to 77.2 %. However, till now ( 2 weeks later ), the online payment still shows I need to continue to pay the PMI! 

Finally I reached their " real '' customer service to tell me what happened about PMI. I was told my loan to value ratio was fine now. However, I had to send them a check to pay a fee ( {$100.00} or more depending on the market price ) for a new quick appraisal on my house to make sure my house value did not drop!!! 

Think about how long they want to waste my time to drop PMI!! I will have to mail them a check to pay this appraisal, then they let me schedule the third party to come to do the appraisal which might take another 2 to 4 weeks. After they receive the appraisal report, it will take them another 30 days to remove PMI if they finally say yes. So in total, it will take at least 2 months in order to let me pay the appraisal and remove PMI. At the same time, they continue to charge me PMI!!! 

I have never heard any other loan company to give customers such a hard time to remove PMI with all the lies and delaying the process. 

This is illegal to keep pushing me to pay PMI. Crazy experience.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Barclays Bank, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. 

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/2024.
Consumer complaint received 2021-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime (SC)

This is a written notice to ceo XXXX XXXX, cfo XXXX XXXX XXXX, dba Drivetime that I am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge which is fraud. I demand my information be deleted, all payments, and money be returned. I also demand the cancelation of this contract and obligations set off for these goods and my title be mailed to the address of XXXX XXXX in good faith.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This was a lease with Nissan from XXXX  that I turned in after the lease was over and got a new lease. The sales manager agreed to eat the residual debt ( Overage on the mileage, new tires, etc ) if I got a new lease. I do not recall the sequence of events thereafter, but I have been getting this delinquency on my credit report now for over 10 years and every time there is a credit inquiry this pops up and is highly affecting my credit. I do not know what the statute of limitations is on something like this, but it is not a valid debt and even if it was, are they allowed to report it as a current debt for decades? Please help.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

First, I am a XXXX Veteran. While in the care of the XXXX XXXXXXXX XXXX in XXXX TN for XXXX XXXX, they required me to perform XXXX  on XXXX XXXX XXXX at XXXX XXXX in XXXX TN. The imaging was approved by the XXXX  XXXX XXXX XXXX for payment thru the XXXX. The XXXX XXXX would not have performed the test without prior authorization from the XXXX as I had several other tests performed there and was refused treatment because they did not have prior authorization. I would also add that this XXXX approved test was during the heightened time of the COVID pandemic, when businesses were struggling with employee staffing. Also during this time the XXXX was transitioning from XXXX to the XXXX XXXX XXXX to process their billing. When I received a medical bill from XXXX XXXX for {$390.00}, I contacted the the XXXX XXXXXXXX XXXX in XXXX to take care of the bill. The XXXX XXXXXXXX XXXX XXXX representative said they would contact XXXX XXXX to get it paid. 5 or 6months went by until I received a notice that the bill would be sent to collection. I immediately contacted the XXXX again and was placed on a conference call between the XXXX  representative and the Professional Credit Management agent. Again, the XXXX representative approved the bill for payment. However, It was not paid again because the XXXX  claimed that XXXX XXXX failed to submit the bill to the correct XXXX billing agency, then XXXX, and because the bill was now over six months old and that this is the XXXX  's internal policy. In addition, the XXXX  representative told me that XXXX XXXX would " write off '' the bill due to their error. This medical bill is the direct result of negligence on the part of XXXX XXXX, XXXX, XXXX, and the XXXX  for failure to work together, communicate, process, and close out a medical bill the XXXX originally approved to pay, and by no means failure on my part by my many attempts to get each agency involved to work together and handle this medical bill professionally. In this case, the consumer has been wrongfully held responsible and other agencies have neglected to function together on the behalf of the customer.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. 
I have not call back or requested them to provide a validation letter. 

Anfi Letter received on XX/XX/2020 Balance due {$770.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLD STAR MORTGAGE FINANCIAL (OH)

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLD STAR MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

At the very beginning I spoke to the company XXXX XXXX and explained my loss of income due to loss of home and job. They were in agreement that when back on my feet I will continue to make payments as I always previously had. Well they put me into collections and as I spoke to the debt collector she threatened me with legal action over a debt that was Incorrect anyway. The debt amount is extremely over and I told them I am unable to pay this amount nor would I unless the amount was corrected. They sent me paper for court and have been beating my credit down to the ground
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-01-31
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is reflecting inconsistencies, inaccuracies, and invalid information. Any and all names, addresses, derivatives of names or information that is not below is inaccurate : Full Legal Name : XXXX XXXX XXXX XXXX Full Legal and Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/ Social Security Number : XXXX Attached are copies of my government issued drivers license, social security card, and proof of current address.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (TX)

The management of the complex appartment ( XXXX XXXX, XXXX, Tx ) complained about a debt that I already paid ( {$170.00} ) as a deposit. I sent them the proof many times. They are not admitting my payment. I sent also the proof 4 times to the National Credit System. They ignored my proof and my communications, and they sent a collection which affected unfairly my credit score. It dropped by XXXX points.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-04-18
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. (CA)

MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY
Consumer complaint received 2022-09-01
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: Receivables Performance Management, LLC (CA)

On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

At the beginning of XX/XX/2022 I received a check from XXXX XXXX  which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at Huntington bank and when XXXX XXXX XXXX went to cash the check Because they are the issue were of the {$21.00} check account for coastal XXXX XXXX, they bounced the check to HUNTINGTON and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid HUNTINGTON intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest Huntington bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because XXXX XXXX XXXX made an error or lied about a {$21.00} check so XXXX XXXX XXXX also owes me {$31.00} for the amount of the original check plus {$10.00} and HUNTINGTON fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because HUNTINGTON decided to close my account based on XXXX XXXX XXXX word that I altered a check. So this complaint is actually against both Huntington bank and XXXX XXXX XXXX