davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (SC)

I am submitting this formal complaint to address Fortivas unauthorized and unlawful action in opening a credit card account ( XXXX ) under my name without my explicit consent. I recently observed that my Fortiva account ( XXXX ) was closed around XX/XX/year>. Subsequently, my regular monthly payment of {$67.00} decreased to {$25.00}, which I presume is the minimum monthly payment. This change is likely to incur higher interest charges over time, resulting in additional financial burden. 

Upon reviewing my account statements, I noticed a balance transfer ; however, no explanation was provided regarding where the balance was transferred or the reason for this action. After speaking with a Fortiva representative and a manager, I was informed that an email was allegedly sent notifying me of the account closure and the balance transfer to a new credit card account that Fortiva opened under my name. I did not receive any such email, nor did I consent to or authorize the creation of this account. If I had been properly informed, I would have exercised my right to opt out of this action. 

Fortivas actions constitute a violation of legal and ethical standards, as the establishment of a new credit card account under my name requires my explicit authorization. This unauthorized activity is fraudulent and unacceptable. 

Please consider this a formal notice of dispute. I hereby demand the immediate restoration of my original account and the complete removal of the unauthorized credit card account from my credit report. Should this matter not be resolved promptly and satisfactorily, I will pursue all available legal remedies to seek damages to the fullest extent permitted by law.
Consumer complaint received 2020-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting of 14 accounts on my credit report. I believe that I am being subjected to racist policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. 
XXXX XXXX XXXX violated FDCPA and Texas Statute SB  1264. 
1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 
3. XXXX and XXXX already found the reporting to be erroneous and from eight years ago. 
4. This reporting is in violation of Senate Bill 1264 Texas, XXXX   XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. They received payment from XX/XX/XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I  have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XXXX   XXXX XXXX received Payment in full. The record are listed below. 1. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3.  XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9.  XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Citibank Amount : XXXX Date : XXXX XXXX I made the report that there was a transaction that was done in my account that I have no idea about. They said they will investigate the case with the case number of XXXX. I asked them if I need to report to the police but they said there is no need for the case is under investigation. I made a follow up call after 3 days and they said that it is still under investigation. I have to wait for 10 business days to receive my funds back. So, I called XX/XX/2022 and I was just shocked that they denied my claim. The reason they gave was too vague and that I asked them what is this company that made withdrawals of my money. I made a few phone calls and was treated rudely. I was directed by one of the calls I made and told me to report it to the Police and they will re-investigate. The name of the merchant is XXXX XXXX.
Consumer complaint received 2022-07-22
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. (VA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX Balance : {$32.00} DP OF EDUC XXXX Balance : {$8000.00} DP OF EDUC XXXX Balance : {$6300.00} XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (RI)

The original creditor was XXXX XXXX XXXX  and I closed the account. I started paying the account off through XXXX XXXX XXXX  and every time I called to make a payment they kept trying to reopen the account and they kept charging me more money. So I stopped paying them. Earlier this year I checked my credit report and saw that I owed XXXX to XXXX XXXX XXXX  and I disputed it with the credit bureau and was informed it was taken off my credit report but it was not taken off. I contacted LVNV and was sent to Resurgent Capital Services and they sent me a copy of a payment I made to XXXX XXXX XXXX and in the correspondence stated that if I disputed the validity to contact them within thirty days in writing. On XX/XX/2020 I sent a letter to Resurgent Capital Services disputing the validity of this debt within the 30 day time period allowed and have not received any communications from them. Today, XX/XX/2020, I called Resurgent Capital Services and was informed that they never received my letter. I did my due diligence and Resurgent Capital Services has not done their part. XXXX XXXX XXXX  is still contacting me to reopen my account with them. This account has gone through 3 different collection agencies and I have had phone calls from 2 collection agencies at the same time about this account. I want to settle the account and get this off my credit.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There was a transaction made with XXXX XXXX without my authorization. I didn't have a physical card with me for that transaction to even be made. I called XXXX XXXX and they didn't answer the phone I called 5 times and nothing.
Consumer complaint received 2021-05-04
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: SYNCHRONY FINANCIAL (GA)

Hello, When I made a payment of {$290.00} available credit was {$6000.00} and I'm sure I haven't used the card since then. I never could see my statement online or in any other way so I can't speak to what is happening but I assume the card number has been stolen from some hotel in XXXX, OR, or XXXX, AK. I would like the charges removed and my card brought back to {$0.00} balance. The card is missing it's possible room cleaning took it and has been using it since the time I made {$290.00} payment. I see I have bad credit now. I'd like my credit restored I've never missed a payment. Thank you. I tried to call paypal mastercard about this but wait time was an hour.
Consumer complaint received 2022-07-31
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: SYNCHRONY FINANCIAL (GA)

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-20
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. (NC)

In accordance with tye Fair Credit Reporting XXXX  Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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 2020-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX XXXX XXXX of 14 accounts on my credit report. I believe that I am being subjected to XXXX policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. 
XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 
XXXX. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 
3. XXXX and XXXX already found the reporting to be erroneous and from eight years ago. 
4. This reporting is in violation of Senate Bill 1264 Texas, XXXX   XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XX/XX/XXXX - XX/XX/XXXX. They received payment from XX/XX/XXXX through Present XX/XX/XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I  have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again Texas XXXX XXXX received Payment in full. The record are listed below. 1. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3.  XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XX/XX/XXXX  XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9.  XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Consumer complaint received 2022-07-22
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. (GA)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items : XXXX I XXXX XXXX XXXX I 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 DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$280.00}.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I WANT TO RECIEVE MY UNEMPLOYMENT ( PUA ) BENEFITS IN MY CHECKING ACCOUNT ON MY DEBIT CARD AND NOT THEIR BANK OF AMERICA DEBIT CARD. I DO NOT WANT BANK OF AMERICA HANDLING ANYTHING FINANCIAL OF MINE AND THEY ARE NOT ALLOWING ME TO DO SO.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (KS)

Important Your XXXX  will be canceled on XX/XX/2022 Dear Member : We've paused your available credit. because of an unusual activities. 

While your credit is paused, new charges for you and any additional Members may be declined. New charges on any other membership you have may also be declined. 

Visit XXXX Have your card handy, logging and follow the simple steps to start using your card instantly. 

Thank you for your Card Membership, XXXX  XXXX XXXX IF YOU DON'T RESPOND IN TIME. 
Your account may be cancelled.

You may lose any rewards you have pending with American Express.

Your personal account will be reported as past due to the credit reporting agencies if we don't receive the total amount due for two or more consecutive billing periods. 


XXXX XXXX  XXXX Recieved this email. Did not respond as I do not have an American Express account. 
I simply do not know where to report this scam.
Consumer complaint received 2022-07-22
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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: WELLS FARGO & COMPANY (MN)

I had purchased flights through XXXX XXXX  XXXX on XX/XX/2019 with my Wells Fargo XXXX credit card. The flight was canceled in XXXX due to Covid and I have called them and messaged them on XXXX and they are saying that the refund is still just in progress and it has been over 5 months.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AmeriCash Holding LLC (SC)

Americash Loans sent a automated text message to my cellphone on XX/XX/XXXX at XXXX am. They immediately followed with an email same date and time. 

I sent them a letter telling them they were in violation of consumer laws. I requested they only contact me by XXXX only. I was very explicit with this. They later was dated XX/XX/XXXX. It was sent registered mail with return receipt. I received proof of delivery with a signature on XX/XX/XXXX. I have not received any response to my letter but the continue to email me and send automated text messages. XXXX of them are at inappropriate times. XXXX am on XXXX XXXX and XXXX on XXXX XXXX
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am demanding Chase bank to give me all transactions in XXXX that I made for {$1600.00}. I need the location, time, how made, merchant if any of all transactions for XXXX in XXXXIf there isn't any well that's ok but I need either one in writing. So what I should receive are transactions of XXXX on paper or email or a letter stating that there is no transaction for XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting the incorrect monthly obligation as well as reporting that Ive been more than 120 days past due on the account. 

I set up a payment arrangement, even though I dont believe this account should be on my credit report and Im currently disputing this account with all three credit bureaus. The reason I set up the arrangement was to prevent anymore inaccuracies hitting my credit reports. 

Ive never spoke with or had any communication with Portfolio Recovery written or verbally before 2020. When I reached out Portfolio Recovery to figure out why my monthly obligation is reflecting as {$6800.00} I was advised by XXXX XXXX that they dont have to put the payment arrangement amount of {$110.00} on my credit report they only have to put the balance which is {$6800.00}. I asked why did they report me as 120 days past due I was advised by XXXX XXXX that they dont show that Ive been late and are unaware as to why the credit bureaus reflect the account as past due. 

This can not be legal for Portfolio Recovery to report whatever they would like to report to the credit bureaus, even if its inaccurate.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

I applied for several apartments and was declined for an eviction. After calling XXXX  XXXX XXXX, I was informed that this debt was put on my credit when I was in the unit. I did not move out until XX/XX/2018 and the date that the debt was put on my account is XX/XX/2018. The amount is inaccurate also. The judgement that was done in court was much lower than what was put on my credit. I still have emails from the realty company stating that I was in the unit.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I opened a chime account in XXXX, I used it extensively, it seems someone gained access to my account around XXXXXXXX XXXX XXXXXXXX, I have several fraudulent transactions, I then had duplicate transactions, after inquiring with customer service I began receiving strange emails they asked me about XXXX transfers that were made into my account that didnt make sense.. they never released XXXX large transfers made to my account, after months, I finally got customer service to agree to send me a statement and escalate the case which have both still not occured.. right after the large missing transfers they closed my account for no reason