davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (PA)

ABSOLUTE RESOLUTIONS INVESTMENTS, is in violation of multiple laws set forth by Congress in regards to the following account # 's ending in XXXX & XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( ABSOLUTE RESOLUTIONS INVESTMENTS ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, ABSOLUTELY RESOLUTIONS INVESTMENTS must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In ABSOLUTE RESOLUTIONS INVESTMENTS terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of ABSOLUTE RESOLUTIONS INVESTMENTS nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting 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 regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I closed an account at Chase bank around 6 months ago and today the sent me an email that my new card with a {$16000.00} limit was in the mail, my previous one was {$500.00}. They had already attached the account to my online banking account.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (WA)

I am attempting to activate an American Express gift card, sold by AmexGiftCard.com, which was sent to me by a relative via mail order. The instructions say to activate the card by checking the balance on the AmexGiftCard.com website or to call their phone line. 

The website is broken and can not activate the card. I have tried multiple browsers on multiple computers ( Both XXXX and XXXX on a XXXX XXXX computer, both XXXX and XXXX on a XXXX computer ). In all instances, the check balance site lets me enter the card info, but then shows no change when I click " continue. '' I am currently living abroad and can not call their number, and there are no alternatives listed for help activating the card. 

The card remains unactivated and unuseable with several XXXX dollars on it.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I apply for Capital One credit card and Capital One denied to open a credit card because it says I have a revolving account with delinquent credit but it never sends you or explains anything when I apply for a credit card is denied and it appears old information reappears and never goes away. Also XXXX XXXX the debts reappear and never goes away the charge my insurance and the patients after they have already pay. XXXX XXXX XXXX XXXX ) medical debts that are never taken away. 
My problem is medical debts that never go away even though you pay and credit card opening.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revolut Technologies Inc. (AZ)

There is an app, company called Revolut and Ive been current on the payments Within 30 days. 

However, on at least four occasions they have sent a debt collector called Real Time solutions, Inc to collect. They claimed they have the right to collect payments, but they are not 30 days overdue every month. 

They are harassing me and using scare tactics for no reason.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (NV)

My issue is that Discover must report accurate information to the credit reporting agencies consistent with the Fair Credit Reporting Act. Over seven years ago, Discover charged off my {$6000.00} loan. Discover continues reporting late payment information to the credit reporting agencies, going so far as to remark the account 'closed ' and then 'opened ', over and over, which has negatively affected my credit reports. I recently received a credit alert that Discover reported information on my credit report. Discover reports monthly that I am either 30, 60, or 90 days late to the credit reporting agencies, in addition to continuously changing remarks. Discover should not be reporting negative information regarding my loan that was charged off over seven years ago.
Consumer complaint received 2023-04-27
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I'm due XXXX Delta miles for using the XXXX AmEx. I spent over {$2500.00} to get the bonus air miles. XXXX AmEx is claiming that there was a warning page online claiming that I won't be getting the bonus miles, but I beg to differ. Please have the company provide proof that the application had the tagline.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite numerous follow-up attempts to have them removed. 

Despite submitting disputes and providing supporting documentation on numerous occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. 

Failure to address this complaint satisfactorily and in a timely manner will leave me with no choice but to escalate this issue further, including seeking legal recourse to uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX , NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$0.00}. 
.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

I am attempting to reach my service provider : Neltnet and determine the right loan repayment for me. They are completely useless when it comes to responding. 

I called Tuesday morning ( XX/XX/XXXX  ) and was on hold for almost two hours. They never gave me an updated waiting time. I e-mailed them on XX/XX/XXXX. A month has passed now with no response. There has been NO updates from them.
Consumer complaint received 2024-04-23
Product: Credit reporting 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)

I recently pulled my credit report XX/XX/2024 and noticed that some items on my report are inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These Accounts XXXX [ XXXX XXXX  XXXX ] Account Number : XXXX XXXX [ XXXX Account Number : XXXX Are not complete and accurate. 


[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, this account is not accurate. 


[ XXXX XXXX ] open date is not reporting correctly, last report date is not reporting correctly, balance is not reporting correctly, past due amount is not reporting correctly. This account is not accurate.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX someone used my phone without my consent and sent them {$2500.00} to themselves. I did not know about this until my bank notified me via email of the purchase ( same day ). I filed a dispute claim through XXXX and through Wells Fargo immediately, as this was an unauthorized transaction. XXXX couldnt do much and told me to go to my bank. ( wells fargo ). 
I filed a claim as fraud/scam or unauthorized transaction ( XXXXXX/XX/XXXX. My bank gave me funds back for duration of investigation. XXXX months later, they told me my claim had no fraud occurred and took the {$2500.00} back. 
I then went to a banker at Wells Fargo and she worked hard to help get my money back this was on XX/XX/XXXX. The bank said they needed XXXX to send them my transaction history ( this was because I said I would never spend that amount on XXXX ). I have reached back out to XXXX XXXX XXXX XXXX XXXX XXXX  and they replied on XXXX XXXX XXXX all they told me was the claim was deemed done by the bank, and that it was up to my bank from here on out and never sent my bank my transaction history that my bank asked me to get. My bank said it had to be directly sent from XXXX and not sent from myself. Now Im stuck without {$2500.00} of hard earned money Ive even tried to talk to my banker again through email who helped me previously and have not heard back. They have refused to give my back my unauthorized transaction which should automatically be covered through the FDIC. This process has been ridiculous especially since Ive been a customer of Wells Fargo for almost 20 years. 
Todays date is XXXX XXXX and still nothing has been done or communicated. Up to now, the latest update I have is Wells Fargo said that my password and email match my XXXX account and thats the only info XXXX sent them. Obviously a scammer would have that info, but in this case my phone was used without my consent or knowledge and sent to a user Ive never sent money to previously, nor added as a friend on XXXX. After my bank asked me to get documents from XXXX, they ( XXXX ) never sent me or the bank anything. Its out of my control for them to send this info to my bank. All they said was talk to your bank and thats the last Ive heard from XXXX. My next step would be to talk to another banker, but that hasnt helped me one bit.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/2023 Opened account XXXX XXXX XXXX XX/XX/2023 closed account on XX/XX/2023 I do not authorize this accounts and want it to be remove immediately.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (TN)

I entered into a lease with American Car Center in XX/XX/scrub>XX/XX/2023. Soon after I was notified that American Car Center had closed and filed bankruptcy and WestLake Portfolio Management would be taking over the payments. I never signed an agreement with WestLake Portfolio agreeing to any terms although I have made payments to them. Soon after the notification of WestLake Portfolio Management I was notified by WestLake that they would be canceling part of my contracted terms like the warranty for mechanics in the event I have mechanical issues and a damage and loss waiver that was also part of the contract. I have also asked to be supplied with the full contract and can only get after months of arguing with WestLake a slim 7 pages to the 20-30 something pages of the contract which I have from American Car Center. They now refuse to do anything to help me fix my car after the check engine light has come on and mechanical issues have come up. I will be attaching copies of my original contract, the contract provided by WestLake, and the cancellation notices.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

Please refer to Complaint XXXX I repeatedly disputed a medical bill that I was not familiar with. The amount is {$940.00} for a XXXX XXXX. During the time of the procedure I was pregnant and covered by state healthcare. I should not have had any medical expenses. XXXX  XXXX are not typically performed on XXXX XXXX. I have no reason to have had a XXXX XXXX  I contacted the original creditor in which they informed me the bill belong to another patient with my same name but a different DOB. Contacted the collection agency again and was given the run around. I asked that they verify the debt. They refused. Filed CFPB complaint XXXX to help get this resolved. It came back validated once again. I then called the original creditor to get additional details. My assumption was that if the medical bill was, in fact, mine then I should be able to get my test results and medical records. I could not. It was determined again, that the bill belonged to another patient. The original creditor emailed the collection agency her findings. 

I am concerned about the due diligence of collections agencies, credit reporting agencies, and consumer protection agencies. For a debt to be returned " validated '' repeatedly when it was not is very concerning.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (AL)

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Kikoff Lending Customer Service , I trust this letter finds you well, though it is with great concern that I bring to your attention potential severe violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon careful examination, it appears that there may be issues related to compliance with federal law codes. Specifically, concerns arise under 15 U.S.C. 1666 ( b ), where it is crucial for creditors to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements could constitute a direct infringement of this federal law. 

Additionally, the matter of 15 U.S.C. 1611 ( 1 ) is of concern, as it explicitly prohibits the furnishing of false or inaccurate information. The lack of a reliable verification process concerning the receipt of billing statements raises questions about the accuracy of the information reported, especially regarding late payments. 

I want to highlight the gravity of these potential violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law. Regardless of prior awareness, it is crucial to address any potential breaches of consumer rights.

Furthermore, attention is drawn to 15 U.S.C. 1681s-2, emphasizing that furnishers of information to consumer reporting agencies must provide accurate and complete information. Any failure to meet these obligations could compound the severity of any violations.

In light of these concerns, I kindly request that you promptly review and address this matter. If any violations are found, I urge Kikoff Lending to take corrective action, including updating my account status to " paid as agreed '' to rectify any potential adverse impact on my credit history.

Ensuring that my credit report accurately reflects the payment history in accordance with the law is crucial. I trust that Kikoff Lending will consider this matter with the fairness and urgency it deserves. Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly.

Done in good faith.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been disputing with equifax about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on equifax I ask for them to remove it because the information is not accurate
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OK XXXX ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (LA)

15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. I asked them twice to verify that they sent this information to me which they have yet to verify
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. TransUnion and XXXX continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, XXXX continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX  companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.