davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

On XX/XX/XXXX Received a credit notification from XXXX credit monitoring, stating that a collection was placed on my file on XX/XX/XXXX. 

Source was Amsher Collection Services , Inc XXXX/ for XXXX in the amount of {$450.00} /acct # XXXX I disputed information as inaccurate, I am a current customer with XXXX in good standing Dispute came back as verified, I immediately contacted collection agency. They stated that XXXX verified the account as belonging to me. 

I contacted XXXX serval times and they did a search with make back with no results of me owning them anything. The last contact was with XXXX XXXX in XXXX, XXXX. She gave me a complaint # XXXX an stated that I never owed XXXX and that I should not have been placed in collections. 

This happened at a time when I was attempting to get business funding to purchase a property, Unfortunely because my credit score went down because of the incorrect collection information I was not able to get the business funding,, which would have been between XXXX
Consumer complaint received 2022-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I contacted XXXX about account # XXXX and # XXXX which is portfolio recovery I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting 120 days late and also collection XXXX is allowing portfolio to commit fraud and they are also by not verifying it and communicating the steps of verification
Consumer complaint received 2023-05-18
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/XXXX XXXXXXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I WENT INTO TRUIST BANK ON XX/XX/XXXX. I MET WITH A BANKER IN ORDER TO OPEN A SECURED CREDIT CARD. I GAVE THIS BANKER {$500.00} AND HE GAVE ME A RECEIPT WHICH I STILL HAVE. I RECENTLY WENT INTO THE BANK AND I ASKED TO CLOSE THE ACCOUNT. THEY INDICATED TO ME THAT IF I BROUGHT IN {$500.00} AND GAVE THIS TO THE BANK THEY COULD CLOSE THE ACCOUNT. I ASKED WHERE WAS THE {$500.00} I GAVE THEM ON XX/XX/XXXX THAT WAS PUT INTO A SECURED SAVINGS ACCOUNT? THEY SAID THEIR RECORDS DO NOT GO BACK THAT FAR AND THAT THEY GAVE THE MONEY BACK TO ME BUT THEY HAVE NO RECORD OF EVER GIVING IT BACK AND I HAVE LOOKED THROUGH ALL OF MY STATEMENTS AND THERE IS NO RECORD OF ME RECEIVING THIS MONEY. THEY ALSO TOLD ME THE BANK DOES NOT KEEP RECORDS PAST XXXX BUT WHEN I WENT HOME I COULD GO BACK TO XXXX AND I WENT THROUGH ALL MY STATEMENTS AND I NEVER RECEIVED THE {$500.00}. I JUST WANT TO RESOLVE THIS.
Consumer complaint received 2023-02-08
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. (FL)

In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX has alot the account number is XXXX  15 USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-13
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. (WV)

I paid my XXXX XXXXXXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I received a delinquent notice from Dovenmuehle for my XXXX mortgage. I had mailed that check on XX/XX/XXXX. 

I received a mortgage statement for XXXX in the amount of {$2200.00}, which includes a late fee and XXXX and XXXX payment amounts ( despite my having mailed my XXXX check on XX/XX/XXXX. ) I have now paid that amount ( over the phone, which they have not processed, although I have a confirmation number ) and my XXXX amount, which they processed on XX/XX/20. I should be paid at this point through XXXX, but I can not get through to anyone there ( I have been on hold today for about an hour, and I sent an email. ) I am trying to understand why I needed to pay a late fee, and I am seeking confirmation from them that I am well-past caught up on what they think I owe. 

Additionally, I received a notice that my mortgage is being transferred on XX/XX/XXXX, but I received ( and paid ) the XXXX statement from Dovenmuehle, as it came from them and I got nothing from the new servicer. 

Finally, there is an error with the online portal- when trying to register, a strong password populates the SSN field, allowing no possibility to create an online account, which is preventing me from checking my balance on my own.
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: EQUIFAX, INC. (FL)

I submitted a request to both XXXX and Equifax advising that XXXX  XXXX or XXXX XXXX  XXXX XXXX  accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS XXXX PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Consumer complaint received 2023-02-08
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. (GA)

I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is govern by USC1681 and they have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 because I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Account number XXXX
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (VA)

In XXXX of XXXX, I made two hotel bookings for travel to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

I booked at the XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ). 

In both cases, I used my Chase Sapphire Preferred card and the Chase Travel Portal to book a breakfast-included rate. I paid extra for this rate through Chases Travel portal. 

I have had issues with this in the past. I had previously booked a breakfast-included rate through Chase Travel for a trip to XXXX, XXXX. On this trip, the hotel desk clerk and I had difficulty locating the included breakfast information. We were able to resolve it without contacting Chase. 

However, this time upon check-in the hotel informed me that breakfast WAS NOT included in my booking. When I asked about the trip to XXXX ( of which I am certain I booked the breakfast included rate ), the Chase Travel advisor told me that they had no record of booking a breakfast inclusive rate. 

The supervisor ( XXXX ) was pedantic and condescending throughout the entire conversation - at one point stopping to clarify to me that it wasnt her specifically who charged my credit card. I actually stopped and said wait, maam, are we actually doing this? Are you actually being that petty? 

XXXX refused to help me without proof of the rate. I have spent over $ XXXX with Chase and paid it off entirely in the last six months. I wont argue for {$200.00} - I will simply take my business elsewhere unless Chase credits me back the cost of breakfast at these two hotels ( {$140.00} at the first and {$140.00} at the second. ) Chase Travel is charging a higher rate for a breakfast included room and then gaslighting customers into believing that they must have booked a different rate. Its entirely a scam.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The person ( XXXX XXXX ) was trying to get a hold of my SSN and my drivers license. 
He wrote and XXXX me a check for XXXX The check bounced in my account, and now my account is negative balance. Was having me go to the Bitcoin Atm ( Have Receipt Record I Gave me a QR code to scan at ATM through XXXX App on XXXX ). It was supposed to be for equipment. I never received the equipment. ( False Vendor ) names XXXX XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX name XXXX XXXX. CFO names XXXX XXXX XXXX, XXXX XXXX. I suspect the check as fraudulent activity. He ( XXXX ) was also trying to get a hold of my WIFI password, XXXX XXXX PIN. I belive this is a scam this was through the XXXX app and I have record of entire conversation. XXXX was also telling me that the companys Lawyer was going to the bank on my behalf to reverse the charges.He never did. ( I did not get the lawyers name ). This was for a remote job Position
Consumer complaint received 2024-04-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I have received a letter telling me I owe XXXX dollars to XXXX, from Resurgent Capital Services. Many times I received e-mail sasking for this money- to which replied once I never had XXXX for this and someone said they will no longer bother me. 

Now I get a letter in the mail dated XXXX XXXX -it appears to be fraudulent? Anyways, It lists some phone numbers and says bill is from them in XXXX at an address ( which I lived in for a couple of months in XXXX ) - Here is one mistake of the fraud doers. 

I NEVER USE XXXX. I Have ALWAYS USE PREPAID CELL PHONES, and while I used to change numbers often I NEVER CHANGED MY prepaid cell phone companies. I MOSTLY used XXXX  and a couple of other prepay companies ALWAYS PAYING MY BILLS IN CASH BEFORE FOR THE MONTHS- so this is NOT my bill.
Consumer complaint received 2020-09-28
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. (NJ)

I worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX # XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company cusiness credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because they were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally i used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  XXXX. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation in this matter.
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I am writing to report an incident of identity theft and a fraudulent cash loan that occurred on XX/XX/XXXX. I recently received information from the company " Advance America '' indicating that someone obtained a cash loan using my name in XXXX, XXXX. 

To provide you with relevant background information, I lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX to XX/XX/XXXX. Following that, I traveled to XXXX and resided there for XXXX months. Since XX/XX/XXXX, I have been living in the XXXX XXXX region at XXXX XXXX XXXX, XXXX, CA XXXX, which is my official address. During this period, I have also spent time in XXXX XXXX for XXXX at XXXX XXXX XXXX University. However, I have not returned to the XXXX XXXX in over a year, except for my graduation in XX/XX/XXXX. 

The fraudulent cash loan made under my name is deeply concerning. The perpetrator provided false information to " Advance America, '' including a fictitious email address and fabricated work details. It is important to note that I have not been employed since XXXX as I am a student. Although they attempted to access my bank account, their guess was incorrect. Furthermore, the individual managed to forge a signature that closely resembled mine, but it is still noticeably dissimilar. Despite the fact that the thieves provided incorrect information, they were still able to obtain the credit in cash. This company did not check my information that i provided last year. I didn't even work this year and the thieves gave something written from a fake job. Also, America Advance did not ask for ID to see if it was me or not. 

Given these circumstances, I am extremely worried that someone may be unlawfully utilizing my personal information to obtain credit or loans without my consent. This incident constitutes identity theft and fraud, and I kindly request your assistance in investigating this matter further. I would appreciate any steps you can take to identify the responsible party and prevent any further misuse of my personal information. 

Additionally, I can provide any other documentation or information that XXXX aid your investigation.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Good Afternoon, This company Pressler , Felt & Warshaw , LLP has violated my rights. They sent a letter stating I was being sued and would face XXXX. On the first letter there was a false docket number. I called the courts following went in person. They could not find the docket number in the system. Long story short we both believed it was a scam. They continued to send mail with the same comments. I called thier office asking for orignal terms of agreement and list of purshases, payement overall all history. They stated they did not have it. What am i to believe now? Now recent they filed wage garnishment. The orginal card was a secured card with a XXXX XXXX limit now they are charging me XXXX . What can I do?
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: EQUIFAX, INC. (NC)

I would like for XXXX and Equifax to remove the following accounts from my credit report since I've been the victim of fraud and id theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all of the hard inquiries on my credit report as well as regional finance
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (NY)

A transaction was made using this credit service and the product was unusable due to security and safety policies issued in light of XXXX. The merchant was unreachable and up to today, no response has been received about a credit or refund. The transaction has gone into collections and was left with no option or assistance by the credit issuer to issue some form of protection. Currently, I have set a minimum payment to be collected by the credit issuer however I am compelled to pay the maximum amount of interest for the past two years on a very small balance. I have contacted the credit issue or almost a dozen times to resolve and no level of authority within synchrony banks organization has demonstrated any ability to sort this out. I am left with no control over my ability to save from paying additional interest due to a locked and closed account. I am being forced to pay undue interest caused by PayPal credit/synchrony banks operational negligence.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (CA)

My account with Amegy bank was closed after a breach was reported. I was notified that bank charges had bee accrued. I contact their parent company Zion bank and settled with them. Payment was made at Ca Bank and Trust a divison of Zion Bank. I fouund out today that a collection in on my record. This is erroneous. Request to remove this collection immediately. Attached is the dispute with XXXX.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC (TN)

Company has filed suit in my county. 
The summons does not have the full account number. 
Scott & Associates purchased the portfolio from XXXX XXXX  They have provided no contract between myself and XXXX XXXX XXXX XXXX XXXX XXXX or Scott & Associates Scott & Associates has not provided any privacy document signed by me with the original creditor allowing XXXX XXXX  XXXX XXXX Scott & Associates XXXX XXXX XXXX to my personal data. 
XXXX XXXX XXXX has not provided proof of the accuracy of the portfolio complete with my full name nor the Affidavit from the original creditor, the Proof of Purchase of the portfolio from the original creditor, Proof that the Assignment of Debt rules have been followed, or Proof of how XXXX XXXX XXXX XXXX XXXX XXXX and Scott &, Associates arrived at their respective alleged amounts owed. 
There also hasn't been a 1099-C filed by either the original creditor or any of those who purchased the alleged debt.