davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (AZ)

Lost my wallet about XXXX  years ago and ever since then I've been getting credit inquires on my report with out my knowledge and calls from applications i have never filled out there is a debt on my credit report that i have no knowledge about and tried explaining what's been going on since then and have got no results i also have called the XXXX and XXXX helping me dispute credit applications and inquires but it keeps on happening and now I have a debt on my credit report that I cant take off since they have all my information to open accounts
Consumer complaint received 2021-07-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

On XX/XX/XXXX, I received a response from NCA via the CFPB consumer complaint portal. Mr. XXXX XXXX XXXX, XXXX. who I presume represents this company, completely ignored my concerns about this company trying to collect on a debt that isn't owed. Mr. XXXX states, " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. 

Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately. 

This agreement, according to documentation provided by NCA was originated on XX/XX/XXXX. An entire 40 days past six ( 6 ) years.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Roadrunner Account Services, LLC (NV)

I have continuously showed this company that they are reporting inaccurate information on my consumer report. They are reporting charge-offs on my consumer report when the IRS stated that charge-offs and cancelled debts are considered income, and INCOME IS NOT REPORTED ON CONSUMER REPORTS. I have sent these chumps a copy of the IRS publication which states what law they are violating and how to resolve the matter, but they refused again. These morons continually ignore what the law states in order to put inaccurate information on my report. Furthermore, these morons was also suppose to send me a 1099-C form for the debt cancellation, which they have not done. This is my final response to this company to delete inaccurate information from my report or litigation will begin
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NJ)

XX/XX/2020 XXXX  reported Diversified Adjustment Service as a closed account # XXXX on my credit report owing {$1400.00}. I never received a notice from this company. 

XX/XX/2020 I called Diversified Adjustment Services and spoke with Account Rep XXXX XXXX and he informed me the account exist. I asked why I never received any in writing in reference to this account from your company and he responded because this account was in bankruptcy. I informed him I am not in bankruptcy.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Between XXXX XXXX and XX/XX/XXXX there were multiple fraudulent " rubber checks/payments '' and charges made to my credit card during the time my identity was stolen. When Capital One 's " Credit Wise '' program alerted me in XX/XX/XXXX of the odd activity on my account, I immediately contacted Capital One claiming my account was hacked, that {$1300.00} in fraud charges were made and that my account needed to be locked. I cut up my credit cards, filed a local police report, and Capital One stated that their " FRAUD '' department was going to investigate. ... ... Well here we are 3 years later and in XX/XX/XXXX I get a letter from a collection company saying I owe {$3600.00} on this card, that CAPITAL ONE CLOSED, due to fraud. Even though I was making payments on the amount of money I personally owed on the account. Since XXXX I have spoken to number Capital One agents in both the Recovery Division and the Fraud department, and NOTHING as been done. Every time I call them to check the status, either no one knows what is going on, or they say my information has to be " RESUBMITTED ''!? Um, I thought it was submitted the last time we spoke?! I am trying to get a MORTGAGE and this is ruining my credit and the pre-approval amount I am allotted! This company is one of THE WORST CREDIT CARD COMPANIES EVER! I had this card opened since XXXX, and this was how I was treated! I would never suggest anyone use them! Not even their supervisors can ever do anything to help you! It's absolutely ridiculous! 3 YEARS OF FRAUD!!!! I received a call today XX/XX/XXXX from a fraud department agent stating that they were not going to change anything because my credit card had a chip on it and because I physically had the card with me, that it could not be fraud. Well sorry to break the news, but in XXXX chip readers were fairly new and not installed yet in all stores. Also, it is very easy for someone to steal your cards information and create a duplicate card, with a chip, and us it as if it were you! They will not do anything to help me at all. This agent apparently has no clue, or chooses to be naive about the fact that nowadays many people create fraudulent cards with real information, that they use for in-store purchases. I didnt know that was a thing I thought most fraud was either with ( physically ) stolen cards or online with card information which was jotted down. I didnt realize that people created fake cards with information from real cards.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I called CITI bank to let them know I had been laid off ( as of XX/XX/XXXX ) and asked them what was put in place in response to the COVID crisis. I was told nothing was in place but I would be informed. I also reached out to XXXX that day. The XXXX day of every month is the day I pay for all my credit cards. XXXX enrolled me automatically in the COVID program on XX/XX/XXXX. 

I received in XXXX alerts regarding my credit score which had been downgraded. I didn't pay attention at first. Then reached out to Citi and they told me I had not made 2 minimum payments on XX/XX/XXXX and XX/XX/XXXX, acting like if I had not proactively reached out to them. I was eventually enrolled in the COVID program and was told I would not have anything to think about until XX/XX/XXXX. Yet, they refused to cancel my late fees. Citi continued to reach out in XXXX XXXX XXXX and XXXX ) asking why I had not made the payments in XXXX, XXXX, and XXXX. I took the time to explain to the agent the mess I was in because of their complete disorganization : they reported me to the credit bureau, issued new cards which I have ( still ) not received, have continued to try to charge fees. She admitted my account had not been updated thus the phone calls. 

I feel I am the victim of Citi complete disorganization and it has affected my credit score in a way I never imagined. During my last phone call, I asked to escalate my problem. I waited and was told there was no supervisor available but I would be contacted by a supervisor in 24 or 48 hours. It has been over 2 days and I have not heard from anyone at Citi. In times like these, one want to deal with a serious credit card company and Citi card didn't show professionalism not even empathy. Shame on them.
Consumer complaint received 2020-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (PA)

I was XXXX at the time the loan was originated. I had sent documentation from the Pennsylvania Department of XXXX confirming my dates of XXXX. They have been very unwilling to help or participate in solving this issue.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my " available credit '' so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (TX)

XX/XX/XXXX CBCS CBCS XXXX XXXX XXXX XXXX ( XXXX ) XXXX I Spoke with XXXX at XXXX on XX/XX/XXXX. 
I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by CBCS for me, [ XXXX XXXX ], for account number XXXX. 
Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (TX)

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to equifax, XXXX, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX  said that they refused toblock my fraudulent items or dispute them. Equifax wont even answer or respond. and equifax must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX deleted XXXX XXXX and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Consumer complaint received 2020-09-28
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. (TX)

I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, XXXX, and Transunion and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. Transunion said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX   deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AZ)

Unfortunately my mortgage is with United Wholesale Mortgage ( " UWM '' ). I have been receiving notices from my home insurance company XXXX saying that UWM has not paid my house insurance premium of {$810.00} out of my escrow account. I spoke with UWM on XX/XX/2021 and advised my insurance company did not receive their payment. They never followed up. I called XXXX who advised me that they have been sending notices to UWM with no response or payment. On XX/XX/2021 I received the attached cancellation letter. I immediately called UWM and spoke with XXXX who asked that I email the cancellation letter to them which I did immediately. On XX/XX/2021 I received the attached email incompetently saying I just provided them with my insurance info that I've had on file for years. UWM fraudulently took {$810.00} from my escrow account and now my home is not insured and I'm out {$810.00}. This company is incompetent and corrupt. This company also refuses to transfer to management as well which is a sure sign of incompetence.,
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (CA)

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than XXXX business days after the receipt of such information that I have sent over in accordance with XXXX XXXX XXXX XXXX. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Consumer complaint received 2020-09-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX XXXX XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company business credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because the attempted use were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally I used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  debt. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation in this matter.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

RE : USAA Federal Savings Bank. On XX/XX/XXXXXXXX  I went to check my checking account online to see if a check had cleared. The account was missing. I called the bank and was told the account was closed and a check had been mailed. The only explanation they gave me was that I had left off my birthdate on a document they had requested. There were approximately 12 pages which I had uploaded per their instructions. My copy of the documents requested show the birthdate. My balance at the bank was approximately {$120000.00}. I have not received the check as of XX/XX/XXXX. I have been a member of USAA since XXXX and had insurance with them ever since. I opened a banking account when they started the bank. I don't remember the date. I was never contacted regarding the closing of my account. No phone call, no text message, no email. I have everything on auto-pay, auto deposits. I have already been charged {$15.00} when my auto-pay to XXXX XXXX credit card was returned. My auto-deposit of my Social Security has been returned and can't be changed to a new bank account until the XXXX payment.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Dates : XX/XX/2022 Amount : {$160.00} I contacted the bank immediately, specifically two hours after notice of fraudulent act. JP Morgan Chase claims that they can not cancel the transaction since it is is through XXXX, and the deposit has already been delivered.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NV)

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer Financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

Account # XXXX amount {$740.00} Account # XXXX Amount {$1400.00}, CKs Prime XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX inaccuracy dates and the amount owed opened XX/XX/XXXX, status updated XXXX XXXX, Balanced updated XX/XX/XXXX in the amount of {$740.00} and {$1400.00} By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (KY)

I tried numerous times to cash my check at XXXX and XXXX establishments. Then I tried cashing my check it would return my check in print out a receipt stating that I could not cash my check and that I would have to call Certegy company to figure out why they are not cashing my checks.