davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MA)

inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-09-21
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. (GA)

As

a victim of identify theft there are invalid inquiries on my report. US SM BUS ADMIN  XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX/XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ive called each company and they said to call the bureaus to remove and they have not been removed..
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I filed a dispute regarding theXX/XX/XXXXaccount with Equifax, and received a report dated XX/XX/2020 alleging that the account had been verified. I settled the account with XXXX during XXXX and received a receipt from them on XX/XX/2020. This means that the account could not have been verified on XX/XX/XXXX or they would have known that the account had been settled.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (OH)

I applied for a Southwest Rapid Rewards Visa through Chase Bank. I applied because, even though there is a {$69.00} annual fee, there was a promotion providing {$200.00} statement credit on the first flight purchased and I was in the middle of booking tickets to see my grandson for his birthday. I applied, got approved, and the pop-up advised that the card was linked to my Southwest account for immediate use. The card information was present, but the purchase was continuously declined because I was missing information. The Southwest account identified that the 3 digit security code from the back of the card was missing. After numerous attempts to contact Southwest and Chase, I was ultimately transferred to Chase from Southwest customer service. Chase advised that my only option is to wait 7-10 business days for the card, to then make the purchase, at which time the fares would change, or use a different card, which would negate the reason for applying and result in a loss of the statement credit. I requested for the card to be expedited. Representative XXXX advised that Chase does not expedite credit card issuance, contrary to what research suggests. XXXX advised that the only assistance that could be provided is to close the account or wait for issuance. I elected to close the account, but as this is a known Chase/Southwest  issue , dating back over 4 years, this should be investigated, as I and others view this as a bait-and-switch tactic.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXX XXXX and XXXXXXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CA)

I received an email on Wed, XX/XX/XXXX at XXXX XXXX  stating that I have applied for and been approved for an Aspire Mastercard Credit Card from The XXXX XXXX XXXX. I tried to contact them, but they kept requesting my SSN, which I do not want to provide since I do not know this company and they contacted me first. 

I waited in hopes that this was just a single fraudulent email, but on Fri, XX/XX/XXXX at XXXX XXXX  I received an email that I successfully activated my card. This raised my concern so I called them again and they said that they did not have a record of me being on an account without me providing a SSN. 

Today, Tue XX/XX/XXXX at XXXX XXXX  I received an email about a $ XXXX purchase on " my '' new credit card. I would like to end this harassment and potential fraudulent account.
Consumer complaint received 2022-08-12
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Unfortunately, I have fallen victim to a scam transferring funds to someone through Zelle from my bank account. Sunday XX/XX/XXXX I had sent {$1000.00} to someone I thought I could trust from XXXX who was claiming to be helping people become " XXXX investors '' by sending money to him in return, receive a larger payout. I was told there would be " XXXX meetings '' with the " investors '' in which they would send the payout through check by mail within a couple days. I was not thinking straight and I just wanted a quick way to earn cash so everything I was being told seemed legit about how the process worked. I only started to get worried when I wasn't receiving any XXXX  Call links that I was told would be sent to my email and they were responding very slowly until XX/XX/XXXX I was no longer able to send text messages or XXXX  messages to them. I then became worried and contacted my bank as soon as possible but reading the fine print, they do not offer any sort of protection against these disputes. I'm worried because I gave them my address that I thought they would be sending a check too and I live with children and I do not want anything to happen to them.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERISAVE MORTGAGE CORPORATION (GA)

Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This is the second time I am filing a complaint. It hurts me that nothing is being done about this debt collection account. Equifax has been notified several times about this debt and they still report it. XXXX XXXX  XXXX Collections is not interested in helping me. They want me to pay a debt that I do not owe! Its is frustrating to me. At this point I am wondering if I were a non XXXX person would this be as hard. Yes I would like an answer explaining the reasons for this not being resolved in a timely manner.
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

In XX/XX/2018 I took out a {$3100.00} personal loan from Cashcall. The terms were {$340.00} per month for a duration of 47 months.The agreement states that there is no penalty for paying more than the monthly amount. So in XXXX I made the first payment of about {$200.00}. In XXXX I made the required {$340.00} plus an additional {$1500.00} to cut the loan in half and lower my monthly payments. To my surprise CASHCALL CHANGED THE TERMS OF THE LOAN WITHOUT MY CONSENT from 47 months to 7 months and they are refusing to adjust the monthly payment to the lower amount now owed. So I refused to make any payment until my account is corrected or until they abide by the terms of the agreement. I received a letter / email from their legal team asking me to agree to a modification of the original agreement. I declined. Now they are reporting me as delinquent and ruining my credit. These personal loans are insanely expensive due to the high interest rate. But by paying off a big amount and keeping a low payment, the account can be a positive boost on a credit for the remaining time of the loan. So this loan could have been a positive thing for me. Now it's turning into a nightmare and ruining my credit incorrectly.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover Credit Card On XX/XX/2019, I had called to verify that there had not been any issues with my Discover Credit Card as there has been a slew of credit cards being stolen from our mail box. Called a Discover Card rep and was told there was no issues and they would send me a new card just in case. 

XX/XX/2019 called to activate new card and was told the account was closed by " me '' on XX/XX/XXXX when I was just told the previous day I had no issues. 

How can a company allow for someone to provide no information to verify them being the owner of the account and request the account be closed? There is no accountability with them as they said they can not do anything to reinstate my account.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings (NC)

To whom it may concern, I have been enrolled at XXXX  University at the XXXX XXXX XXXX for approximately a year in their XXXX XXXX XXXX XXXX. I would have been done with my classes in XX/XX/2019. At our first day of the summer session we got told about our campus closing.Not only have the students not been told anything or guided in a direction to help them succeed, but the faculty has also been left in the dark. Some of them not even knowing when their last day will be or if they will get paid a severance. We were told that XXXX  University did not file bankruptcy but got a letter in the mail stating that XXXX did. Our biggest concerns are that some students are 20,000-30,000 dollars in debt now due to the classes we have taken at XXXX , but most of them won't transfer to other colleges. We don't want to be in debt and have to transfer and get in bigger debt retaking the classes that we have already taken because they won't transfer. We don't know what we need to do to get our loans forgiven or see what our next step is. We are hoping that filing this complaint will give us some direction on what we need to do to get our loans forgiven. 

Sincerely, Frustrated XXXX student
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

American Express states that I opted in to a Pay Over Time feature on our AMEX in XX/XX/XXXX. I do not recall ever having the process explained or opting into the service. This " Service ''  automatically routed charges of more than {$100.00} to a separate hidden account that does not show up on the Statement or Payment tabs. AMEX then charged us {$1000.00} in fees on the Pay Over Time account between XX/XX/XXXX and today. They continued to route purchases over {$100.00} to this account so we were always paying little bits of the charges and thinking we were paying the whole balance. When I paid the statement balance I assumed that meant I was paying everything we owed to Amex but it didn't include the Pay Over Time balance. They hide all mention of Pay Over Time on their website so if you aren't watching closely you never notice the interest charges. I complained to the company but they said there was nothing they could do. I cancelled Pay Over Time and immediately there are little ads for it all over the account page when I log into americanexpress.com.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not understand if I had a balance at the time of charged off of balance of {$1400.00} was due on the account at the time of PRA 's purchase. how do I owe more than 3k
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiry currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/year>.
Consumer complaint received 2022-10-25
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: Harris & Harris, Ltd. (OH)

In Accordance with the fair credit reporting act XXXXt account number has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian ARG Inc. (FL)

My XXXX account went delinquent back in XX/XX/XXXX-XX/XX/XXXX, I settled with a mediation company back in XX/XX/XXXX. Today I received a call from XXXX XXXX XXXX, of which they did not disclose where they were calling from in the aggressive voicemail of which stated my name and the name of the caller then followed by contacting you from the process division, I received an order from you, it looks like two pending charges were filed against you, now unfortunately because I'm unable to reach you by phone I will be actively pursuing you at either in your residential place up on that XXXX XXXX you have the right to contact the client to resolve your case voluntarily. Contacted XXXX directly they had no idea who this company was. They could not prove the original account number, when I asked for the information to contact their supposed client they told me to XXXX XXXX telephone number. They want me to email proof of the paid balance of which I have, but I do not feel comfortable emailing any of my information to them if they cant even prove to me who their client is.
Consumer complaint received 2023-03-24
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. (NY)

I checked again 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. 
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