davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I've sent 2 certified letters to American Express regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted American Express via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Consumer complaint received 2021-09-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC (PA)

Reliant Capital called me today to inform me of a debt they have had on me since XX/XX/2021. They did not send me any written notice about the matter. When they called me today the collector was trying to persuade me to pay the debt off in full and telling me I hade to pay it right away. The debt in question was actually covered by a scholarship and all the requirements of the scholarship were met. When I told her that she started to precede to say I had to pay them right away and they would start more aggressive debt collecting tactics. I believe she realized when the debt was covered by the scholarship they would not get any money so was forceful with trying to collect it.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I have gotten 4 voice mails for my husband's niece for a creditor. They have left messages on the following dates and times:
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019  XXXX XXXX.
Consumer complaint received 2022-04-16
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: Kimball, Tirey & St. John LLP (CA)

The credit Bureaus never did a proper ''investigation '' according to the FCRA . 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions I did not give nobody written instructions
Consumer complaint received 2021-09-30
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 am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed
Consumer complaint received 2021-09-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (FL)

I was laid off due to XXXX XXXX and fell behind on payments. 
i applied for mortgage assistance from the lender Citadel servicing Corp. 
They sent me a reinstatement letter for {$45000.00}. i did not have it. 
i recently got a call from XXXX XXXX who said that Citadel was prepared to take {$30000.00} in XXXX as deposit. I told her that i did NOT receive any such call for email. 
She said she would find out what could be done. I told her i could pay {$40000.00}. 
She did not get back to me until yesterday, almost a month later with a reinstatement letter for {$75000.00}.
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (AL)

The aact was paid in full... it has NEVER been a collection acct ... but equifax refuses to properly vett the acct and remove the negative comments. Equifax has it listed as a collection acct... it is not.i don't think equifax is doing a thorough investigation to try to correct the negative information. XXXX XXXX XXXX XXXX XXXX  will let them know this not a collection acct ... equifax refusal to remove this is causing me credit denials and I think they are doing it on purpose.
Consumer complaint received 2021-09-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: SYNCHRONY FINANCIAL (NY)

So, Synchrony Bank has placed a lien on a vehicle that I paid for in cash outright. I have the evidence to support that and the dealership is a witness that said fact. I have the temporary title ( because I never received the permanent one from the dmv ), the retail certificate receipt of sale, the wire transfer receipts, etc. Also, my insurance company and myself have confirmed with Synchrony that I have no loan or account with them nor do I have any relationship with Synchrony of any kind. However, something that would take them all of ten minutes to do ; Which, is issue me a lien release document ; they simply refuse to do. They have refused to assist me in any way but the FDIC says I would have to retail legal counsel in order to pursue a quiet lien and that is simply unacceptable primarily given because I cant afford that ; Moreover : why do I have to fight so aggressively over something that OBVIOUSLY belongs to me? This is not okay and Synchrony is instigating an egregiously hostile environment. { lease assist me in this matter so I can have this fraudulent bank removed from MY title of MY motorbike. Thank you.
Consumer complaint received 2021-09-30
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. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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. (TX)

I sent a letter to XXXX, Equifax, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This is a old Dept from XXXX they keep resale the dept to other collations company no settlement was every offer. Send proof of settlement offer and when account was open. When I dispute it they keep selling it to other collections company destroy my credit. I need help. No offer to settle Debt. It should have drop off my credit. Portfolio recovery when I dispute it they take off them resale Dept and put it right back on my report.
Consumer complaint received 2022-04-16
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. (TX)

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit
Consumer complaint received 2022-05-26
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, my Coinbase account was hacked using the SIM swap method. By gaining control of my cell phone the hackers were able gain access to my Coinbase account and stole {$4500.00} worth of XLM cryptocurrency by transferring it to an ( according to Coinbase ) to some unknown destination. Additionally, because I had overdraft protection from my bank linked to my Coinbase account, the hacker was able to transfer {$3500.00} to Coinbase account and purchase more cryptocurrency. 
I have been trying to recover the amount of cryptocurrency stolen from my Coinbase account since XX/XX/XXXX. I was able to recover {$3000.00} of the funds taken from my bank account because I altered my bank about the Hacking incident. 
Coinbase finally sent a response to my problem on XX/XX/2021 ; basically saying there is nothing they can do about recovering the {$45000.00} in XXXX cryptocurrency stolen from my account. In fact they now claim I owe them money because my bank reversed the funds the thief had stolen. 
Coinbase is a cryptocurrency exchanged used by millions of Americans and it should provide adequate security to protect its customers from hackers. Instead Coinbase does not accept any responsibility and says there is nothing that can be done ; the customer just out of luck! 
The CFPB should really investigate Coinbase to uncover the lack of online security protection it has to prevent hackers from gaining access to customer 's accounts and for the lack of accountability it has towards maintaining the assets in those accounts. I am sure there are many others like myself that have been victimized by Coinbase 's lack of concern.
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

CMRE credit bureau showed up on my credit report with an erroneous charge for $XXXX for XX/XX/2018. This was sent to them for collections by XX/XX/XXXX (part of XXXX XXXX XXXX). When I called to inquire the person on the phone was very rude (I filed a complaint with manager). At first he would not tell me the name of the place that sent me to collections and then he wouldn’t give me the contact information so I could call to inquire. He told me not to tell him how to do his job when I asked for the information. He then hung up on me. I spent over 6 hours calling back and forth to the XXXX XXXX XXXX, my insurance XXXX XXXX XXXX and CMRE. XXXX XXXX said they had an incorrect address ( I never received any notice and they confirmed this) and they billed the incorrect insurance, they said CMRE would have to bill XXXX. XXXX said they will pay it if someone sends the bill and both CMRE and XXXX XXXX won’t send the bill for payment. This is impacting my credit negatively and creating hardship. I do not know what to do next. The bill should have been sent to my insurance originally. 
Please contact me at XXXX XXXX XXXX, or email XXXX. Both agencies are  at a stand still. I left a voicemail for a manager XXXX at CMRE and spoke to another agent XXXX, XXXX   said she would only set up a payment arrangement (I don’t have $ to pay and should have gone to insurance) and XXXX never called me back. XXXX at XXXX XXXX said her and supervisor stated tey cant do anything and to go through CMRE and get names if they don’t send bill to call them back I did and no response has been received.
I want to file a complaint.
Consumer complaint received 2022-08-16
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. (AZ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

On XX/XX/2022 a {$30.00} fee was assessed to my mortgage for providing a payoff quote. This is an unfair practice and was not disclosed at the time of the payoff quote or within the mortgage note that was signed at closing. I didn't provide authorization to provide a payoff quote at the expense of {$30.00}. I'm more than capable of doing the math myself. After being informed of this fee, I logged in online to find out a {$30.00} fee is only charged if emailing or faxing a quote, which is typical when refinancing or selling a home. A free copy is an option for postal mail delivery only.
Consumer complaint received 2021-09-30
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. (SC)

XXXX has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to Experian and never received anything.
Consumer complaint received 2021-09-30
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. (IN)

This is regarding a fraud dispute of a my account ending in XXXX with Chase. An unauthorized transaction was done on XX/XX/2021 of an amount of {$1700.00} on XXXX. The fraud recovery department of Chase has not properly investigated the claim on my repated requests three times in last two months. Even it has not fully reviewed the evidence provided and declared the transaction valid. I had directly contacted the merchant XXXX  and informed them and Chase promptly about the fraud. The XXXX told me that they have cancelled the ticket # XXXX forthwith and passenger would not able to fly. Hence no travel occurred. They promised to issued the refund to my card which was never issued. My refund complaint ID with them is # # XXXX # # ( please see attached ). Therefore it is requested that Chase should please properly investigate the matter in the light of evidence provided reverse this transaction.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (MO)

UCC has received multiple Affidavits and has failed to respond. An un-rebutted Affidavit stands TRUE in court!

UCC has violated my privacy! My consumer rights have been violated. United Credit and Collections has continued to harass me about this alleged debt. United Credit and Collections INC has violated federal law. United Credit and Collections has failed to properly respond to my notarized Affidavit. I have all proof of attempting to settle this amicably. United Credit and Collections has threatened actions that can not be legally taken under the Fair Debt Collection Practices. United Credit and Collections is civilly liable. United Credit and Collections is in default and now agrees with the facts. United Credit and Collections violated
the following laws : 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e. ( 2 ) ( A ) 15 U.S. Code 1692e. ( 5 ) 15 U.S. Code 1692e. ( 7 ) 15 U.S. Code 1692e. ( 10 ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692c ( a ) 15 U.S. Code 1692c ( b ) 15 U.S. Code 1692h 15 U.S. Code 1692k ( a ) ( 1 ) All proof is attached
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and equifax however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XX/XX/31 and its only showing open from XXXX and equifax however XXXX is still reporting this account as closed but my credit has dropped with them as well XXXX either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by ally gap as well as deductible from the initial settlement amount
Consumer complaint received 2017-12-01
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. (AL)

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.