davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, I reached out to AMEX and chatted with a customer Representative to work out a payment plan on my Credit card with I was late 91 days. This happened due to been hospitalized because of XXXX and my XXXX XXXX XXXX because of XXXX. The Customer representative agreed to debit my checking account on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) and I was to pay the remaining balance before XX/XX/XXXX. Today XX/XX/XXXX I submitted the remaining balance and found out that my account was cancelled. I called AMEX and representative " XXXX XXXX '' from the XXXX, XXXX office told me that the prior customer service representative which I chatted on XX/XX/XXXX did not give me the correct information and there was nothing that he can do.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accounts Receivable Inc. (WA)

On XXXX I issued a CFPB claim against Accounts receivable report number XXXX. Accounts receivable states that it has not re-aged the negative debt account number XXXX { See attached X-1,2 } My XXXX  and and XXXX  credit report dated XXXX { See Attached X-3,4 } show that the date of first delinquency as XXXX and an on record date until XXXX, XXXX. This contradicts the statement accounts receivable stated on XXXX that XXXX XXXX XXXX XXXX charged off the debt XX/XX/XXXX CFPB report XXXX { see attached X-1,2 } This in turn would mean a 12 year negative debt reflected on my credit report, this is well passed the statute of limitations of 7 years. The debt has been re-aged by accounts receivable, it's statements are frivolous and false and have no merit. Accounts receivable is in violation of the fair credit reporting act and has violated my rights. 


Accounts receivable states in their response to CFPB report number XXXX { see attached X-1,2 } dated XXXX that consumers current address is listed on the statements it provided to verify the debt which is XXXX XXXX  XXXX XXXX WA XXXX. This is not my current address and have never lived at that address. I have enclosed XXXX  credit report dated XXXX to reflect my current address and previous addresses dated XXXX { see attached X-5 } I  was never notified of this debt in writing to challenge the validity of the debt. this is a violation of the fair credit reporting act and must be deleted from my credit file. 


Accounts receivables has blatantly provided false statements to The CFPB about this debt 's current status along with false statements of validity of the debt. Accounts receivable claims has no merit and must be removed from my 3 credit reports. My Fair credit reporting rights have been violated as a consumer.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I noticed inquiries on my credit report that I did not authorized and have notified XXXX, Equifax and XXXX that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a letter from XXXX XXXX at 5th 3rd but I am unsure what it is a response to and is very confusing to me. It seems to be a threat about our rebuilding our home and mentions a home we no longer had a contract for. It is all confusing and I do not knw what to do or who to contact since I am not allowed to contact the bank due to criminal complaint. I also can not log into any bank account or insurance account or anything to do with XXXX or the claims funds. I have not been able to log in for a very long time and am unable to submit documents until the criminal complaint has been removed. I do not want to lose my home due to 5th 3rds discrimination due to my XXXX. I have asked for access but the XXXX says I can not contact the bank. I have no place to submit documents except here and the documents they request are too large to file here.
Consumer complaint received 2019-11-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-10-03
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. (NY)

The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX  XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX XX/XX/XXXX {$1400.00}.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Santander Consumer to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021, XXXX/XXXX/2021.
Consumer complaint received 2021-12-07
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. (IL)

I Reviewed my credit report on or about XXXX  and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and Trans Union said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and Trans Union but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

The debt that Hunter Warfield is trying to extort out of me, is not even on my credit consumer report. I can show a current, and pass months report. Since I asked who gave them my information ( late XXXX 2023 ), I have been contacted via email, and now phone calls. This is harrassment, casuing me mental anguish and fear of my credit not being extended to me, if they choose to fraudulenlty attach this debt to my credit consumer report
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I believe USAA is denying me the use of my deposits within a reasonable amount of time needed to purchase a home. 
I ordered a cashiers check from USAA on XX/XX/XXXX for the amount of {$62000.00} for closing costs on a home that is scheduled to settle on XX/XX/XXXX. The deposit balance for the check in my account was immediately withdrawn to issue the check. The check was to be expedited with a shipping time of XXXX days. 
I called USAA on XX/XX/XXXX to inquire about the status of the check and was told it was issued on XX/XX/XXXX and had not yet shipped. 
I again called USAA on XX/XX/XXXX to inquire about the status of the check and was told it still had not shipped. Upon manager escalation I was told that the check had been canceled and the funds would be available in XXXX business days from cancelation. I was planning to wire the money to the settlement agent rather than waiting on the cashiers check. I explained to the representative that this was not an acceptable or timely solution. On this timeline the deposited funds were withdrawn on XX/XX/XXXX and may not be made available to me again until XX/XX/XXXX. He ensured me this was the best he could do and that no further escalation was possible. 
I called again the evening of XX/XX/XXXX after learning that the settlement date would have to be moved without the funds and likely cost {$1500.00} for a rate lock extension as the rate expired on XX/XX/XXXX. The delay would also jeopardize the purchase of the home as there were several other offers on the house. 
When I called the evening of XX/XX/XXXX I was ultimately transferred to the bank 's Executive Response Team ( ERT ) after indicating I would be filing a complaint with the CFPB if this was not resolved in time for settlement on the morning of XXXX. 
In speaking with the member from the ERT she informed me the best she could do was have a manger call me back the following day, XX/XX/XXXX, and that those deposited funds could be made available within XXXX days with an expedite. 
As of XXXX am EST on XX/XX/XXXX I am still without those deposited funds. My deposited funds have not been available to me for 7 days with no resolution identified. I believe USAA is denying me the use of my deposits within a reasonable amount of time and this is potentially going to cost to incur additional expense in the form of a rate lock extension at best, and losing this home and restarting the search for a new home in a challenging market at worst. The situation is unacceptable and USAA 's lack of urgency in returning these deposited funds to me is insufficient and extremely disappointing for a for what is regarded as a trusted financial institution.
Consumer complaint received 2022-01-05
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. (NY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-06-11
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. (NY)

I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.
Consumer complaint received 2022-07-28
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

This account shows as a charge off paid account. This information is incorrect. I have contacted this company several times regarding this matter. And no one is willing to help assist me in correcting the information. 

It is listed as a loan which is inaccurate. It shows as a charge off which is inaccurate. It states that this account was closed on XX/XX/2021 which is also incorrect.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

i paid these accounts and they still on my credit report and hurting my credit report i need them removed XXXX XXXX XXXX  {$440.00} XXXX XXXX- {$210.00} XXXX {$210.00}
Consumer complaint received 2021-10-17
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. (MI)

I disputed these inaccurate items way over 35 days ago and you havent notated them as disputed. You caused me to lose out on many offers due to reporting this inaccurate item and not notating it was disputed. I have attached proof that I have given you chances to correct your inaccuracies report number XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2021-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX my Coinbase account was hacked. Upon noticing strange activity on my account ( I believe it was a phishing attach ), I immediately called Coinbase to lock my account. When I regained my account access days later, all but XXXX ( approximately XXXX ETH at the time ) was transferred to an unknown wallet. The attackers also purchased {$6400.00} worth of Bitcoin via ACH with my back account. As you can see from the attached image, only {$1000.00} would be available to trade immediately, while the rest could be moved off of Coinbase on XX/XX/XXXX. However, the attacker was able to make off with ALL of the funds. I then received notifications from Coinbase that I owed them for the XXXX the attached purchased fraudulently ( I had put a stop payment with my banking institution that day to prevent further theft ). After a few days, Coinbase seized what I had in staked ethereum to cover what I owed. I emailed supported asking why the hackers could move all of those funds on day one and received no response after multiple attempts. I believe I am owed {$5400.00} ( XXXX could be moved that day ) by Coinbase due to a serious flaw in their crypto transfer activities. Please help! I lost over {$12000.00} on the day of the hack and over {$6000.00} from money Coinbase seized.
Consumer complaint received 2020-05-04
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (IL)

I sent a letter to Nationwide Credit & Collection , Inc., located in XXXX XXXX, IL dated XX/XX/2020. I requested for them to allow me to verify this account. I have not received anything from them. However, I received a phone call asking for this account. This person was not a very nice person. She wanted for me to verify my birthdate before she was able to speak to me. I told her I did not know why she was calling me. Instead she hung-up. You will find in the attached letter what it was sent to them. The letter was sent via certified mail with a returned receipt ( # XXXX XXXX XXXX XXXX XXXX ) and they didn't acknowledge that the phone call was illegal. I have requested for them to send me a breakdown of fees from the medical facility, and to provide me a copy of my HIPAA with my signature on it. In inclusion to cease any credit bureaus until this account is verified. They have violated the FDCPA and FCRA. They continue calling without any disregards of this letter.