davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IN)

THE COMPANY, AD ASTRA RECOVERY SERVICES INC, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT AD ASTRA RECOVERY SERVICES INC PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN AD ASTRA RECOVERY SERVICES INC PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' AD ASTRA RECOVERY SERVICES INC is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof from a prior complaint with AD ASTRA RECOVERY SERVICES INC of them admitting to committing fraud and aggravated identity theft.
Consumer complaint received 2019-11-08
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. (TX)

I had submitted a formal request for debt validation in XX/XX/2019 to XXXX XXXX. They never responded to me and then I requested to have it removed from my credit report. Equifax did a 3 day dispute and kept it on my file even though i dont believe the debt is mine and it was never validated.
Consumer complaint received 2020-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Ive filed a dispute with XXXX  and XXXX   about this debt that clearly doesnt belong to me. This card belonged to my deceased father and Portfolio Recovery Associates refuses to acknowledge that, even though the Social Security Number, and address are not associated with me. Theyve gone as far as to try to sue me for this debt that is not mine.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. 
XXXX XXXX thats a fax i sent by email they recieved for my info they had requested for identification on XX/XX/2019 @ XXXX mailed by XXXX also sent fax from fax file XX/XX/2019 they recieved that fax @ XXXX to fax server XXXX 6 pages were recieved in both of those fax were the federal trade report and that report number is XXXX my bank statement from XXXX XXXX XXXX XXXX with my proof of address federal trade commision letter FCRA 605B { 15 U.S.C. 1681c-2 social secuirty card DL and the cover letter statement of having my addres updated as well as what was in the rest of the fax Are there any other witnesses or victims to this incident? 
I am the victim of them commenting federal credit report acts yes there are plenty of witnesses and i have plenty of audio recordings of them doing this and knowingly lieing to me If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
i have reported this to FBI FTC CFPB Ive contacted the attorney generals office and my states attorney generals office and have left messages and waiting to hear back ive contacted the white house comment line and also am looking for a lawyer ive contacted the XXXX police department and the city of XXXX AR which is who had me contact the XXXX police Thank you for submitting your complaint to the Federal Trade Commission. Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : 10 Ways to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number : XXXX to help us quickly retrieve your information
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

i have reached out to SYNCB and XXXX about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/XXXX i received a letter from Caliber Home Loans that my application was declined for multiple issues none of which are correct or true. On top of it i never contacted Caliber for anything, let alone a mortgage refinance. They never got my acknowledgement or approval to pull my credit. My identity may be compromised because of this and they have not responded to my emails asking for help.
Consumer complaint received 2021-12-01
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. (TX)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.
Consumer complaint received 2021-06-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (IA)

XXXX That's the number they called from. A XXXX person called and asked bluntly of my social ended in XXXX and I was XXXX XXXX XXXX. Without asking who she was speaking with. I then asked her about why she would do that and she yelled don't come down my throat about a debt that you knew you weren't going to pay but you took out anyway. I was trying to explain that I'm XXXX and can't work.
Consumer complaint received 2019-03-17
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. (PA)

Looking over my Experian credit report i noticed that XXXX Bank is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.
Consumer complaint received 2021-02-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XXXX XXXX XXXX, PORTFOLIO RECOVERY ASSOCIATES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MD)

Hello, On Friday morning XX/XX/XXXX, I was informed by my credit card company American Express that my credit limit was decreased over {$6000.00}, from {$10000.00} originally to {$3600.00}. 
In my conversation with AMEX customer service, I was told that this was due to a recent change on my credit score and report. I was told that the only way to increase my credit limit would be to pay the credit card company {$810.00}, with a possible lift to the credit limit happening within 30 calendar days ( they would not promise an immediate lift to the credit limit ). I had already met my minimum payment balance by the due date ( minimum payment due was currently XXXX - in other words, I had made all payments that I owed, in the time frame I owed them ). 
To make this a very tenuous and scary circumstance, I had made a reservation with American Express Travel ( another travel product with american express that I frequent quite often ) for a rental car, and I was supposed to pay this reservation on XXXX XXXX for the amount of most likely {$1500.00} for a rental car. The reservation is in a foreign country. American Express was well aware of my reservation and my long standing history with them ( I have been a customer for 15 years with no record of missed payments and not much history of revolving usage ). I would not have been able to pay this rental car with my credit card and continue on my vacation, and this felt like extortion. 
American Express refused to acknowledge the fact that I have been a cardholder with them for over 15 years. They refused to acknowledge my circumstance of why my credit score had decreased slightly ( I recently bought a new car, took out an auto loan, for my husband, who is an XXXX  and is taking some time to build his own credit score and credit file ). I know how to responsibly manage my finances, and so I believe this was a huge abuse of my credit report and possibly even extortion ( asking me to pay them {$800.00} when technically I did not owe them anything at this time, my minimum payment had been met ). 
I feel like I have no recourse with AMEX as a company and I want to report this bad behavior to the government. This abuse of my report is happening during a global pandemic. I understand that credit companies may be wary of consumers taking on bigger debts these days due to the economy, but this is not the way to treat a customer, and I have had other smaller circumstances with other credit card companies that make me suspect that these companies want to abuse and extort consumers due to the global economic situation. This was a decision made without my knowledge or any warning, with no reasoning, and will greatly affect my life and my ability to make sound financial decisions for my family. 
Thanks for your consideration.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.
Consumer complaint received 2021-09-16
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Debit card was used at a Casino on XX/XX/XXXX for {$590.00} and then at Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX at XXXX XX/XX/XXXX for {$980.00}. I was in XXXX at the time and called immediately Chase fraud when the charges came as an alert on my phone. I asked to block charges and they said it will be done. Next day the chars were posted. I submitted a dispute with documentation that showed I was in XXXX, XX/XX/XXXXat the time of the charges. A detective has been assigned and is investigation as they will press charges against that person. 

I received refund for the {$500.00} for the XXXX XXXX fraud, but never for the {$980.00}. A police complaint was filed with the XXXX Police Dept. Chase escalated to Executive office and indicated that card had chip and pin thus it could not have been fraud. I am trying to get video which Chase refuses to provide. I never received anything in writing from Chase only a call. 

This was clearly fraud and Chase refuses to help in any way
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (IA)

To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.
Consumer complaint received 2019-03-17
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 (TX)

I have been a long-time American Express card holder with an exemplary credit standing. 

I have two cards that earn Membership Rewards. In January, I made some large catering purchases which earned me Membership Rewards points, and made full payment soon after. 

Today ( XX/XX/XXXX), I tried redeeming some of my Membership Rewards points, only to see this on the screen when I tried to submit : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' What's critical, is that these points were Available points, which by American Express 's Terms and Conditions, mean they are fully available for me to use. In fact, American Express has a pre-Available status for points called Pending, where they are presumably reviewed and held prior to being Available, thereby proving Available points actually are available points. 

I contacted via chat Amex today to ask for a status or know when I could use the points I earned and was entitled to use, and both the initial agent and the supervisor refused to provide me with any information or escalate this matter internally. The supervisor even confirmed there was nothing unusual with my account that he could see that would warrant an inability to use the points I earned. 

** I am asking for American Express to expedite and complete within 7 days any " review '' of my Membership Rewards points, and make the points that were earned and are Available, actually available so I can transfer them to a hotel partner. If I don't have all the Available points today actually available at that time, Amex should be investigated for refusing to run and honor their reward program as advertised.. 

Because of the 30 minutes I've invested in chatting with two Amex representatives, I refuse to waste any more of my time since it is clear the company is structurally unresponsive -- plus there is nothing I can add to any discussion, as Amex has already reviewed and has full access to my accounts anyway. 

I could have used a card with a competitor of Amex who has a similar reward program and honestly provides points to be used without this shady " review '' Amex is apparently randomly doing to prevent points from being used as a customer has earned -- especially once those points have already passed a lengthy review process and are in fact showing as Available.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (PA)

Looking over my XXXX credit report i noticed that PNC Bank is reporting negative information about an account that was paid in full and closed. I have talked to PNC and they are staying their records are showing that everything is reporting correctly with no negative marks.