davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
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 (KS)

I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (MO)

I am being asked to pay a medical debt of {$1500.00} for services that incurred when I was a minor ( XX/XX/XXXX - XX/XX/XXXX ). I didn't sign any paperwork stating that I would be financially responsible for these services because as a minor it would be illegal for me to do so. 

My Mother did sign the paperwork stating she would be financially responsible for the services I were to receive. 

She unfortunately did not remain true to her word and left the services unpaid. Fast forward to XX/XX/XXXX my mother received a phone call stating that " she had not been receiving statements over the past 2 years because we changed systems. I explained that she has an outstanding balance but that her account is not in collections due to the fact she has not received statements. she said that she is unemployed currently but she agreed to do $ XXXX  monthly towards her account sent statement today-tw '' XX/XX/XXXX " Statement was returned today as undeliverable although she verified her address before I sent it. I tried calling but her number is now disconnected. if she does not make payment by next billing I will call again or she will go to XXXX. -- XXXX '' XX/XX/XXXX " XXXX has not made payment since XXXX. Tried calling, no answer. Send to TekCollect - XXXX '' So now this debt has been put on my credit and has been harming my credit score even though it clearly shouldn't. 

I've talked to the business where I received the services ( XXXX XXXX XXXX ) as a minor and they insist that since I'm of legal age now I owe the debt. 

I also tried to dispute it with the collection agency ( TEK COLLECT ) and they deemed the debt to rightfully belong to me instead of my mother. 

I firmly believe that this is not my debt but my mothers and I want to make sure this gets removed from my credit report and added to hers. My mother also believes this and has tried to contact the business where the services were rendered to get the debt transferred to her but - they refused to comply and insisted that she could make payments but the debt would remain under her daughter name and social. 

Also my mother and I share a similar name but you can clearly read that the signatures on all the paperwork is her name and not mine - and the dates when it was signed would have been when I was a minor.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (CA)

I have not been able to log in to my crypto.com account in several months ( at least XXXX ) I have also attempted to create a new account with the same issue ( an error message requesting that I reach out to support @ crypto.com ) I have tried to email the support @ crypto.com address several times with no response I tried the chat feature on the srypto.com website at least XXXX times and none of the support staff have assisted. They ask for information regarding the issue, person details to validate the account, send a bunch of troubleshooting that I have already completed then transfer me to another rep like themselves to repeat the same process. 
I reached out to the XXXX XXXX  and was asked to speak to the chat support There is no working e-mail, phone number to call, or support person who has addressed the issue. 

There are thousands of complaints regarding this same issue from users all over the world. 

I am just looking to resolve this quickly.
Consumer complaint received 2021-09-13
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 (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$560.00}
Consumer complaint received 2021-03-25
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)

Transunion has had something in progress since lest year, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Consumer complaint received 2024-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (TX)

I received a statement from ARstrat collection agency on XXXX XXXX and XXXX XXXX stating, " We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}. '' I sent two certified letters on XX/XX/2024, and XX/XX/2024, asking this company to validate the debt because I never signed a contract with them. This collection account was fraudulently bought and sold. This same company sold my information to another company called XXXX XXXX XXXX after I asked for debt validation. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as XXXX8 U.S.C 1341 ( Mail Fraud ) and 18 U.S.C 1343 ( Wire Fraud ).
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2021-09-13
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. (MN)

The following credit card accounts and credit inquiries listed on my XXXX and Equifax credit report are all fraudulent, unauthorized and the result of identity theft : XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX  XXXX/XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-07-15
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. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX ACCOUNT OPENED XX/XX/2015 {$11000.00}
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

The loan has been sold several time with first sale by XXXX. Each time it was sold, higher interest was added.XXXX tried to foreclose when it went to court the judge dismissed and threw the case out because it was a predatory loan
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

On Sunday XX/XX/2021 I placed an XXXX order which is funded by my PNC debit card ( recently Compass bank ). I cancelled the order within an hour. XXXX acknowledged the cancelation and said they don't debit the account until the item actually ships. Online I was able to see the hold PNC had placed for the {$350.00} for said purchase. XXXX contacts the bank and has a hold put on the purchase amount, but does not actually transfer the funds until the purchase ships. I had the bad fortune to make this transaction as PNC was switching all Compass accounts. I have been in the physical bank on 4 occasions and on the phone numerous time to no avail. I have been put on lengthy holds and twice disconnected. The branch manager filed an escalation for me, but I can get no information on it's status. I spent over a month now trying to resolve this issue with the bank. It is now time to escalate the issue to the banking authorities. 

( my PNC account # is XXXX to help in tracking this issue )
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (OH)

Key Bank has an account on XXXX  that shows I ower about {$720.00}. I paid and settled the account back in XXXX, but I recently tried to get a bank account and I could not because htis information showed I was in default.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

I was given a car loan from Santander, They gave me a 20 % interest rate. You usually have to show proof of income and theyd call your place of employment. They never contacted an employer, nor did they ever verify my income. 
They wanted {$300.00} down and I gave it to them, and they gave me the keys. I tried to be responsible and tried to rebuild my credit, but that wasnt the case. I couldnt make ends meet half the time. Payments were {$420.00} a month and, as a single mom, it was often hard to make the payments. I reached out to them and I couldnt get lower payments. I stopped paying in XX/XX/2019. The car was repossessed in XX/XX/2019. I was left in distressed financial ruins and ruined credit. 

I would like this account removed from my credit report, because I was mislead and given this car loan without the proper analysis to determine whether or not I could actually make the payments. I feel as if I was preyed on by Santander.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Knight Adjustment Bureau (MD)

ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-02-20
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. (FL)

I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

The account in question is from Credit Control , LLC. XXXX deleted it from my credit report on XXXX XXXX and XXXX show that it is paid and closed, date closed XX/XX/XXXX, but still need it deleted from my credit report. Credit Control , LLC sent a statement trying to collect on a debt that is already paid for. They are trying to collect on behalf of a company called XXXX XXXX XXXX. I have no contract with either company, Credit Control, LLCXXXX XXXX XXXX and have not given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I received the statement from the debt collector the first week of XX/XX/XXXX. I sent a letter to them asking them to validate the debt I owe with the physical contract/agreement. I sent both letters certified mail on XX/XX/XXXX, and XX/XX/XXXX. I sent the same letters to the credit reporting agencies as well. XXXX investigated and deleted the account from my report. I have not received a response from Credit Control , LLC, but yet they are trying to get {$11000.00} from me when that account has been paid. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report with XXXX and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Mr. Cooper. At that time my escrow balance was XXXX for PMI. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of XXXX. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of a ( XXXX ), after I had paid for XXXX. Mr. Cooper 's escrow analysis done in XX/XX/XXXX determined that I must pay XXXX a month for an escrow shortage for this year. I have paid every statement on time with the XXXX included. I contacted their escrow dept. for an explanation and got no explanation for the difference between XXXX & XXXX. I will pay the excessive amount for now but want to know what happened between XX/XX/XXXX and XX/XX/XXXX to my escrow account.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. 
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. 
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I have a loan through the Department of Education, third party Nelnet, that I am in the process of repaying. In the fall of 2015, I had some trouble repaying my loans, which resulted in four missed payments on my account. I pay ONE bill to Nelnet, with no option to allocate the payment. I have four student loan disbursements, but I was under the impression they were consolidated - especially since I only have the option to pay one bill. However, the company reported my missed payments to the credit bureaus as 16 missed payments ( 4 missed payments for each of the 4 accounts ). This has greatly impacted my credit score, and is keeping me from being able to move forward with purchasing a home. I have contacted the agency and have been told that because I was not in the military at the time of the missed payments, there is nothing they can do. My problem is the duplicate missed payments. It doesn't seem right that if I do not have the option to pay the accounts separately that they can penalize me separately.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. 

I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.