davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (TX)

XX/XX/XXXX inquiry date was supposed to be removed off of my XXXX along with XX/XX/XXXX inquiry. I received a letter that these inquiries would be removed due to incorrect information given by a representative from world finance. In order for any company to look at your credit your credit profile has to be unlocked in order for a soft pull to take place. I was assured that a hard pull would not be done. The FTC prohibits this kind of behavior please help
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Absolute Resolutions Corp. (TX)

ABSOLUTE RESOLUTIONS XXXX has collection report past due {$360.00} as of XX/XX/XXXX. Experian credit report shows XX/XX/XXXX this company first reported. This is an identity theft by ABSOLUTE RESOLUTIONS XXXX and I never use my credit card. 

Please note I've moved to XXXXXXXX XXXX on XXXX XXXX with my husband and the store card was never used. This bill is an identify theft of myself running ABSOLUTE RESOLUTIONS XXXX Please remove this collection from my credit history.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (KY)

The spokesperson for the credit card sold me on a different promotional plan than what it actually was. Anytime I brought this up I was treated as if that was an impossible scenario, & completely disregarded. They didnt ask me how it could have happened, and did not even give me a second to explain the situation. They have yet to ask me for any form of proof from my end about whats going on. The spokesperson who sold me on their credit card explained to me that it was not a credit card. Everything I have & everything Ive said makes perfect sense when you look at what I have. Ive never not paid a bill, Ive never had a late fee applied to my account, & my credit has never been bad. This company scammed me into signing on to their credit card & then when the promotional plan ended they expected me to follow through with their deal, which was never gone over with me. The deal that was explained to me is that I was on a 12 month promotional period of paying {$30.00} a month, then after the 12 months the real payments towards the bill would be deducted automatically ( I was set on autopay ). They never said that after 12 months I would start receiving late fees & interest fees. That was NEVER mentioned, & I 100 % asked multiple times before signing on, because I was confused on how they make their money. The spokesman for them literally told me that after the 12 months the normal payments would adjust & I shouldnt have to do anything since I was on the autopay. If you check my record, nothing like this has ever happened before, ever.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

There was no consent to be contacted for the mailings ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) received. The alleged debt is {$2900.00}. There have been multiple phone calls received. According to the codes many of them have been violated which included threats to be sued along with deceptive forms. The company has reported the alleged debt to the credit agencies as well. There are two other companies used by the main " debt collection '' company but the letters state they are a debt collector making them third parties. The third party companies are not licensed in Arkansas to collect debt seeing how their letters state they are debt collectors. There have been many violations per 15 USC1692 and I am pretty sure there could be more.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

Payments were made on the account and creditor evidently refused payment because they reported account late which is a violation of 15 USC 1666 ( b ) a ; 15 USC 1681e ; 15 USC 1692. Creditor has engaged in harassment initiated on XXXX XXXX XXXX and has continued not less than twice daily with phone calls starting as early as XXXX XXXX XXXX until the hours of XXXX XXXX XXXXXXXX. These actions performed by the creditor has caused emotional stress and mental anguish with the repeated calls throughout the day everyday.
Consumer complaint received 2024-10-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I was given an American Express pre-paid gift card over a year ago as a gift valued at {$250.00}. After a year or so I tried to use it and to my surprise all of the money was drained from the card. I called the number on the card and after over an hour of speaking to a representative and explaining the issues multiple times, they stated that they would send me another card. After a week, another card valued at {$250.00} arrived in the mail. When I logged onto the website to verify the balance of the card, the website does not respond after entering my information. After a few days of trying this, I called the number again and they seemed to have found some issue with the card. The representative stated that there was an issue with the card that they sent me and they had to send another. After another week, the card arrived in the mail. This new card again was valued at {$250.00}. The same issue persisted. I tried to log into the website and enter the card information to verify the balance but again the website stopped responding any time I entered the information. I have spent multiple hours on the phone with customer service that hardly speaks english- it seems that they can not understand my issue when I explain it to them but then continue to send me faulty card after faulty card. I now have 3 American Express pre-paid gift cards in front of me all valued at {$250.00} but none of them work. I have tried using them at retailers and always get declined. I have tried to check the balance on them over multiple months and continue to get the website not responding.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

regarding account numbers XXXX this debt is invalid resurgent capital aka lvnv is trying to collect a debt that they purchased so now the debt has been paid this company is not licensed in the state of Michigan to collect debt according to the XXXX website therefore this is against the law according to the state of Michigan and I will be contacting the Michigan attorney generals office promptly unless the debt is abolished and removed from my XXXX XXXX XXXX XXXX credit report ASAP!!!!
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

filed bankruptcy chapter XXXX in XXXX did not include my mortgage which at the time was regions mortgage. my loan then got sold to select portfolio services ( SPS ) and since then none of my payment history or loan information is being reported on my credit bureaus. SPS says they need a reaffirmation affidavit to report and my bankruptcy attorney says they do not that they just choose not to report the payments. i did ask SPS for a payment history which they provided for the past 3 years and am grateful for them doing that. when i called XXXX credit bureau they said they can not use this to report to the credit bureau. so i am back to square one.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

I am writing to formally dispute and demand the immediate removal of an erroneous collection account, which appeared on my credit report in XX/XX/XXXX. This collection, reported by Southwest Credit Systems as the debt buyer, lists XXXX as the original creditor with an alleged original balance of {$64.00} and an account number ending in XXXX. Southwest Credit Systems claims this account was opened in XX/XX/XXXX, a claim that I categorically deny as inaccurate and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right to request that this fraudulent account be permanently removed from all consumer reporting agencies and to demand that Southwest Credit Systems cease all collection efforts immediately. This section of the FCRA expressly requires consumer reporting agencies to block information that the consumer identifies as resulting from identity theft or unauthorized use, and that any debt collector or creditor ceases any further collection activity related to the disputed account. 

The account meets the criteria for immediate removal and cessation of collection efforts due to the following reasons : Unauthorized Account and Fraudulent Activity : I did not authorize or open an account with Southwest Credit Systems, nor was I responsible for the account claimed to have originated in XX/XX/XXXX. 
Errors in Reported Information : The account reflects an inflated balance of {$81.00}, which differs from the alleged original balance of {$64.00}. Such inconsistencies and errors raise further suspicion of its legitimacy. 
Consumer Reporting Requirements : As this debt is fraudulent, all credit reporting agencies are required to block it from my credit report to prevent further damage under FCRA guidelines. 
The erroneous report of this collection account has negatively impacted my credit score and financial reputation, making immediate and permanent removal critical. I demand that all consumer reporting agencies update my file to reflect the removal of this account and ensure no further collection attempts by Southwest Credit Systems.
Consumer complaint received 2022-01-25
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: TD BANK US HOLDING COMPANY (LA)

XXXX reviewed my credit report and noticed a TD Bank credit card account that was not mine. I saw a New York apartment address associated with it. I have never had a New York address. Credit limit is {$2200.00}. Date open was XXXX. Status is current. Same day, I filed disputes with experian, XXXX XXXX XXXX. 

XXXX I read reports from all 3 credit companies and all three still had this TD account on my report. 

XXXX I called transunion and they said that they were convinced that the coping was mine because TD bank told them that when the person applied for the credit card that they supplied my name, social security # & address. Isnt that textbook identity theft? To me, thats not compelling evidence. 

I called TD bank and after 30 seconds of speaking with them they determined that this account was fraudulent after giving them my name, social security # & address. I was amazed that I could make this discovery in 30 seconds yet all three credit monitoring companies took two weeks to come to a different conclusion. The first person that unspoken to got me in touch with someone from their fraud department who said he needed to bring it to their credit card security team who would investigate and send me a letter in the mail. 

I then called XXXX and they told me the same common sense lacking information as transunion. XXXX told me to file a police report and a report here so that I could Provide them with proof that this account is fraudulent and then they would re-open their free investigation. Apparently they want you to pay for a real investigation. Im not a lawyer, but a report to the police or FTC is not proof- so I dont see how this changes anything. 

Thanks you any help that you can provide.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Guild Holdings Company (TX)

When reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account for which i have made on time payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MD)

XX/XX/scrub>XXXX XXXX XXXX XXXX Source Receivable Management company contacted me saying I owed money for a phone bill I never received. The employee on the phone was extremely rude when I told him to send me an itemized bill that showed what was owed because I did not know I owed anyone {$610.00}. He then hung up on me. When I called back his manager answered the phone and told me her name was XXXX XXXX and she would review the call. 

Their number is XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I see fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX  shows 3 different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

XXXX XXXX XXXX  is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

LVNV Funding LLC is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I was a subscriber to an online service. I was setup on a semi-annual billing plan. When my XXXX months subscription was set to renew I was over charged almost double what I was supposed to be paying by their own fee charts they have online and also based on my history of payments in the past. The company has no customer service phone number and only responds to emails. When I submitted a ticket, explained the problem, and asked for a refund for the over-charge, they didn't even read my emails and only referred me to the rate chart online that actually backed up my claim. I went back and forth with them a few times explaining the issue again and again but it was clear that either they didn't read what I was writing or I was just chatting with an AI bot that didn't understand the issue. After a few times back and forth, they simply stopped responding. I opened a new ticket explaining the issue and never got a response. I then asked to cancel my account and issue me a full refund and that never got a response. I eventually closed my account and never once heard back from the company. The charge, in question, is {$170.00}. 

I filed a fraud case with Wells Fargo, my bank, and was asked to submit documentation to validate my claim. At first the bank sided with me and refunded me the money in my checking account. I then got a notice in the mail, weeks later, that my case was being closed and denied for an unknown reason and that they were taking the money back out of my account. I appealed numerous times, spent many hours on the phone talking to numerous people in their fraud department, all of whom told me they would appeal my case and nothing would ever happen. Sometimes I would be asked for more paperwork and " proof '' of the issue, which I submitted, and then nothing. Never once do I get a callback and I am forced to call them constantly for updates which never seem to happen. Today I called again for an update after they asked me to submit more proof on XX/XX/XXXX and was told that nothing had progressed since then. I was told that they would once again file for an appeal and I would need to call back in 10 business days for an update. Beyond frustrated on this matter, I simply give up. It is clear that the bank does not have my best interests in mind and figures that it's a war of attrition. This is why I'm filing my complaint. I have over ten hours of work into this matter over a very small charge and Wells Fargo clearly doesn't care to help in this matter.