davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

Resurgent Capital Services XXXX, has been falsely, reporting, negative information to the credit bureaus, claiming, that I owe them money. 
I have never entered into any agreement with them, ( legal or written ), I've never signed any papers with them ; however, this negative information has devastated my credit file. It has also been removed from my credit report on multiple occasions, but LVNV Funding will pick it up begin reporting it.

I have uploaded documents as to where I'm asking for proof of my own any monetary settlement, as we as proof of me owing them anything.
Consumer complaint received 2022-04-18
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. (OR)

An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

Synchrony closed card account on XX/XX/XXXX. Didn't receive any notices or account closure letters until my credit report notified me of the closure. Reached out to Synchrony on XXXX on XX/XX/XXXX, called customer service on XX/XX/XXXX to attempt to resolve this quickly. 

XXXX  support was generally unhelpful, and never looked at the account. They only issued general info about account closures. 

On the phone service line, XXXX ( ID XXXX ) was helpful, but couldn't do anything at his level. He transferred me to XXXX ( ID XXXX ) who was unwilling to help with the issue, and only told me to apply for a new credit card. Since that involved another credit pull, I didn't want to go that route. After asking for other solutions repeatedly, he finally allowed me to put in a request to have someone above him call me back. Still have not received a resolution.
Consumer complaint received 2024-03-22
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

I opened three business credit cards with Chase. The credit card that is the subject of this complaint had a minimum spend requirement, which I satisfied, in exchange for XXXX Chase Ultimate Rewards Points. The credit card referenced ends in the four digits of XXXX. 

On or around XX/XX/2021, I logged into my Chase account and discovered that the account had been terminated, and that the XXXX bonus points attributable to the account had been forfeited. I never received any phone call, written correspondence or email about the account cancellation or forfeiture of bonus points. 

I work a busy full-time job, but set aside time to attempt to resolve the issue with Chase. On each call, I was referred by a Chase employee to a supervisor to request that the points be reinstated given that I had received no notice of the account closure or points forfeiture. The supervisor said that Chase had sent a notice by mail that was not returned, and therefore I had been deemed to have received notice of the account closure and points forfeiture. Apparently, if I had transferred my points to another of my two accounts within a certain period following the closure date, I could have retained my points. I would have absolutely done so had I received adequate notice from Chase, but I did not. 

On the first call, the supervisor told me there was nothing she could do. One the second call, the supervisor told me that she would initiate a " formal complaint '' to see if I could have the points reinstated, and that I would receive a written response from Chase within 5 to 7 business days. 

I then learned about my right to file a complaint with the CFPB, and called Chase once final time to see if they could reinstate the points without a CFPB complaint filed. On this third call, I was again connected to a supervisor who told me that the supervisor from my second call had NOT filed a formal complaint despite her telling me that she had done so, and that there was nothing they could do. 

I believe that my points were unfairly forfeited given Chase 's failure to provide adequate notice. I regularly receive notices about my credit cards via email, text and mail. Apparently only one piece of mail was sent to me about this matter of real value, and I never received it. Please see my request for relief below - I am simply asking for a reinstatement of the points that I earned.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, I am submitting a complaint against XXXX and Experian for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a FDCPA lawyer due to your negligence
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

On XX/XX/2021, Ability Recovery Service responded stating they sent documents to validate this alleged debt, which was never received. However, Ability Recovery Service still did NOT send me any of the documents that I requested about this alleged debt. The forms they submitted was not validating the debt and because they refuse to send the documents I requested, this account needs to be deleted from all of my consumer reports. 15 US CODE 1692g Validation of debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (LA)

Upon checking my credit file Ive noticed a company named Debt recovery solutions Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above company to be removed from my credit file.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021 I wrote to Coinbase asking access to my account after finding the message " account temporarily disabled '' when trying to login into my account. Coinbase Support responded that will contact me, and later they said that it may take 4 to 5 business days to resolve it. After that I have sent three e-mails requesting an explanation and asking to close my account and refund my funds. As of today XX/XX/2021, my account remains disabled and I haven't received answer to my three e-mails.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-22
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: Interstate Credit & Collection, Inc. (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX a check from my account was made for {$250.00} made payable to XXXX XXXX XXXXXXXX XXXX, Transaction # XXXX, Check # XXXX, and the arrival date of the check was XX/XX/XXXX. Today is XX/XX/XXXX and I received a statement from XXXX XXXX XXXX that they did not receive my {$250.00} payment. I immediately looked at my Chase account and found that this {$250.00} check was mistakenly sent to XXXX XXXX XXXX XXXX. Today I went to my Chase Bank in XXXX, TX to get a copy of the check for proof of receipt and was told that too much time had gone by to get a copy of the check to XXXX  so they could refund the {$250.00} to me. The AVP at my bank called " the back office '' and was told they couldn't help her find a copy of the check because too much time had passed since XX/XX/XXXX. My AVP told me that she would call the complaint office so they could call me to discuss the issue. In the interim I need to get my {$250.00} refunded back to me so I can pay XXXX XXXX XXXX. Thank you for your time.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WY)

I applied for XXXX XXXX Amex Card online on XX/XX/2021 due to their advertisement for the promotional offer for XXXX bonus plus other stuff. I was approved instantly and got the card on XXXX. 

I started spending and by XX/XX/XXXX I had spent more than XXXX which is the line to get the bonus. I did not get the bonus so I reached out to Amex 's customer service and was told I was not qualified for the bonus because I used to own other XXXX cards. 

I asked to speak with the supervisor and was told the same, I requested them to view my credit reports and told them that I do not have any other XXXX cards. I was told " they don't believe me ''. They asked me whether I would cancel my card and they would refund my card fee. 

I asked them to proceed to cancel my card. Now my credit report was adversely impacted and I am not qualified for the bonus to get other XXXX cards due to the fact that I have applied to the XXXX XXXX Amex Card and was approved. 

This is fraud and I would request CFPB to investigate and help me get a feedback from Amex.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX TransUnion {$13000.00} XXXX {$13000.00} XXXX {$13000.00XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of last activity been reported incorrectly & has a past due which is another violation FST PREMIER date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX  incorrectly reported a XXXX XXXX 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Experian needs investigate the erroneous statement. Experian is not to verify if the account belongs to me! Not verify my name, address etc!!! Experian needs to follow the federal law to report accurate information. My report says XXXX XXXX 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal!!
Consumer complaint received 2021-06-22
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: Resurgent Capital Services L.P. (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (NY)

Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX  and XXXX  ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT
Consumer complaint received 2021-06-23
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. (TN)

I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. If you continue with your non-compliance is a violation of my rights as a consumer.
Consumer complaint received 2021-06-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I am having delays drawing on my line of credit. The last draw I have made on my line of credit was in XXXX. Since then I have not made any draws. Recently I thought to make a draw being my equity is high and interests rates are low. I noticed my reverse mortgage statement says I have no credit line so I contacted the company and requested all monthly statements for my personnel accountant. I made my first request on XX/XX/XXXX. I have made numerous phone calls and have received numerous emails, however the company keeps directing me to different Customer Service representatives and they never answer my questions directly and refuse to elaborate on the figures presented on my monthly statements. A representative even went as far as saying if I don't use my credit line I can lose its growth feature. I just want to speak with Licensed agent and they seem to be obstructing me from getting direct answers in essence delaying me from making an accurate credit line draw. My mortgage service is with Champion Mortgage and I spoke briefly with numerous agents, but have not received direct reply from XXXX XXXX or XXXX XXXX for whom I have made a partial complaint. I need the monthly statements for XXXX - XXXX to get started and then I need the full reverse mortgage FHA rules. I have not made a full complaint because they have not given me my requested records. I NEED THE RECORDS TO SUPPORT MY CLAIM, ITS BEEN TWO MONTHS NOW AND I AM STILL UNABLE TO MAKE AN ACCURATE CREDIT LINE DRAW. HUD GUARANTEES MY CREDIT LINE DRAW WITHIN 5 DAYS.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

Upon checking my credit file Ive noticed a company named Convergent outsourcing Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (WA)

I had a repossession from Wells Fargo dealer services occur. They not only didn't give me the letter to buy the vehicle back. They were reporting late when I wasn't. Refused to give me an itemized statement to cross reference with my receipts. They added on to my loan. Sold the vehicle at auction but didn't put that amount on the loan and then ruined my credit when the loan was paid after the auction. I have tried numerous times with no luck. 

I have already reported to XXXX and XXXX and they removed the debt and made it so wells fargo can not report anymore. I am asking Wells Fargo to remove from XXXX and stop stealing from people with deceitful practices.
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I received multiple requests for payment on a debt that does not exist from transworld systems incorporated. Transworld systems incorporated is a fake company & requesting money that does not legally belong to them in any way. Don't fall for this scam company.
Consumer complaint received 2023-08-13
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: Affirm Holdings, Inc (NC)

Affirm is listed on my credit report saying I have a delinquent account with them. I contacted the company to notify them that I had not used their company and that account is fraudulent. It has now been 90 days and it continues to show delinquent and has substantially decreased my XXXX XXXX and affected my credit rating. The balance is {$380.00} but i refuse to pay for a debt I did not accrue. My payment history has been impeccable and I do not ever skip out on paying a debt that is actually mine. I disputed it through experian and that had an unsatisfactory outcome. Ive reached out to Affirm several times now and they have not sent me the documentation that they say I need in order to have this situation rectified. Please help, this is going to ruin what I have spent many years building. Thank you.
Consumer complaint received 2023-08-13
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: Bridgecrest Acceptance Corporation (NV)

In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose