davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (GA)

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and Experian immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and Experian with no success. Im also including a copy of the police report that was filed for the identity theft.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX we contacted USAA about charges on our account. They were from a subscription that I had canceled but they were still charging us. We talked to some wonderful representatives ( who also refunded us OVER {$1000.00} in NSF fees from the bank reordering our transactions... see other complaint ). We found over XXXX times our card was used without authorization from this company and at the time had XXXX credits placed on our account of {$79.00}. Fast forward to XX/XX/23 and after no contact from USAA about the investigation or asking for documentation, we get hit with XXXX charges of {$79.00} labeled as temporary credit rev. What happened to talk to your customers? What happened to communication?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates , LLC. located at XXXX XXXX XXXX, XXXX, VA XXXX PN # ( XXXX ) XXXX. On XX/XX/2017 open a XXXX debt collection on me acct # XXXX ref # XXXX with there company. As well as, attached that XXXX  debt to my XXXX credit report which I was never notified from them about the alleged debt they claim i owe them. 

First of all, I have never heard of this company in my life. They have never contacted me by phone or mail about this debt issue in the four plus years this debt been placed on by them. Secondly, I have never signed a contract with them or any other service agreement with this comany. Thirdly, this company has been violating my Consumer Proctect rights for over 4 years.
Consumer complaint received 2024-12-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA (TX)

I searched for an answer to my question but the results provide no clear answer. I am needing to know what the TEXAS state law or policy is for the LENGTH OF TIME a finance company must sell a car after they have repossessed it. Its been 5 months and Hyundai Motor Finance has not received the duplicate title and they have not sold the car.

Account No. : XXXX Due to the unexpected employment gap after a mass layoff, Hyundai Motor Finance repossessed my vehicle XXXX months ago but has yet to obtain a duplicate title or sell the car at a private auction. This delay prevents me from purchasing another vehicle unless I add the remaining {$18000.00} balance to the cost of the next car, with the potential of still owing a balance to Hyundai Motor Finance if the sale price falls short of the debt. XXXX has stated they can not provide a timeline for obtaining the title or completing the sale, leaving me with no clear resolution. If timely payment was required to avoid repossession, why is there no urgency to sell the repossessed vehicle? 

Vehicle : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Since the repossession, Hyundai Motor Finance stated there is no clear date for the vehicle 's sale. The " Notice of Our Plan to Sell Property '' stated only that the vehicle would be sold " at a private sale sometime after XX/XX/XXXX, '' leaving the timeline indefinite. I have been told multiple times that the duplicate title was requested but it has never been received and no attempt to escalate and resolve the issue in a timely manner has been made. 

Hyundai Motor Finance did not offer assistance to accommodate my financial situation and would only accept full payment for the vehicle 's return. However, despite repossessing the vehicle, they have not sold it in a timely manner, which undermines the intended purpose of repossession. Per legal requirements, a sale must be " commercially reasonable, '' which is generally understood to mean within 90 days of repossession. As of XX/XX/XXXX, nothing has been done since XX/XX/XXXX. Per Hyundai Capital Americas company policy, and the contract with stakeholders and investors, Is 130 days without the car being sold and no ETA or sense of urgency, the standard way to business? 

This delay impacts my ability to obtain another vehicle. As long as the full balance on the repossessed XXXX XXXX remains unresolved, it will likely lead to rejection from lienholders if I attempt to finance a new or used car, effectively placing me in a position where I can not move forward without being financially disadvantaged. Additionally, I am working again. I could have resumed monthly payments during this time if Hyundai Motor Finance had permitted it, instead of declining partial payments.
Consumer complaint received 2022-07-14
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. (CA)

I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I would like to report the consistent wrong date entries for payment receipts and misleading multiple false entries of late fees on my account by Specialized Loan Servicing ( SLS ). 

My account on SLS account shows the last payment received on XX/XX/XXXX. My bank statement ( attached ) proves the money was deducted from my bank on XX/XX/XXXX and attached SLS document shows the money was transferred to SLS on XX/XX/XXXX. 

There should be no more transactions after XX/XX/XXXX and there should not be any late fees of {$15.00} or {$130.00} as it shows on my account. 
( See attached documents, '' SLSacknowledgementOfReceipt '' there are 20 transaction entries by SLS, and the SLS representative is confused acknowledging what is the status of money I sent from my bank to SLS on XX/XX/XXXX ) I called on XX/XX/XXXX and was told my XXXX payment was XXXX. Checking online, it showed {$2700.00} and an additional amount of {$200.00} as late payment. 
I sent a check ( USPS-return receipt ) for the total amount of {$2900.00}. ( to ask about the {$200.00} late fee later ). 
3 days later I called SLS to confirm the receipt of the check and I was told I sent the check to the wrong address, to SLS document center address, and it would not be posted on-time, or will be sent back to me. 
I was told to send the check directly from my bank account, and stop the other check, just to be sure there would not be a double mortgage amount posting for XX/XX/XXXX. 
I did exactly that. I stopped the check and sent money as it showed on the SLS website, in two different amount. One was for {$200.00} and the other was for {$2700.00}.

Today I found various wrong posting on my account with various {$15.00} and a {$130.00} late fee, where there should not be any late fee. The mortgage cleared my bank account on XX/XX/XXXX for XX/XX/XXXX period.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (IN)

This company has called multiple times asking for someone I dont know each time I tell them I dont know this person and inform them to please stop calling my home. Today I answered and tried to say hello multiple times after I said it three times the lady on the other end said I SAID I WAS CALLING TO SPEAK TO XXXX, ARE YOU _______ to which I replied no because Im not. To which she proceeded to be extremely snarky. And I hung up.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have been a long-time customer of Chase Bank .

Someone was able to access my bank account and information through a stolen phone and made over {$4000.00} in withdrawals, including making direct calls from my number with Chase regarding these withdrawals.

Chase should have recordings proving that the person was not me and they were not authorized by me. They continue to claim that it was same device and login, so are considering over {$3000.00} as " authorized ''. They are also referencing an incorrect date that the login was used, which is not possible given the timeline of events. Double withdrawals were also made, and incorrect changes were made back on my account. ( Fraudulent withdrawals were made on XX/XX/23, but Chase claims XX/XX/23 ). 

I have provided multiple documents to them, and they have not done anything to return my money to my account, including : 1. Police Reports ( both XXXX and XXXX  ) 2. Phone records from XXXX XXXX XXXX showing calls made with Chase NOT made by me 3. Screenshots of XXXX XXXX withdrawals done with my Chase account 4. Screenshots showing I reported the IMEI number as stolen to XXXX XXXX XXXX ( which they requested ) 5. Explanations of their errors in processing the withdrawals I have provided all documents they requested, and they keep saying " you can provide more documents '', but won't say what else I can provide. I have been cooperative, reported every fraudulent charge same-day as soon as I was able to, spoke with several claims dept. agents, and more. They also send they would provide the reasoning for considering it " authorized '', but have still not provided it.

If I have done everything they ask to reverse the unauthorized charges, I don't know what else I can do. They need to be more clear in what I can provide, or actually utilize what they ask me to provide to them.

This is an entire month 's salary that has been withdrawn, and all factors indicate these withdrawals are not normal behavior for my account and should have been protected.
Consumer complaint received 2022-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (FL)

THE COMPANY, GRANT MERCANTILE AGENCY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (LA)

On or about XX/XX/XXXX, I sent this email to Spring Oaks Capital LLC : Dear Spring Oaks Capital LLC I hereby dispute the validity of the alleged debt listed below Entirely : Spring Oaks Capital LLC Account : XXXX Amount : {$1900.00} I also request verification of the alleged debt, specifically, a copy of the Original Purchase Agreement, must be with the original creditor and signed by ALL PARTIES involved. I'm requesting this because I have had different companies reach out to me about this same allege debt. I'm requesting immediate deletion of all prior reporting made to any consumer reporting agencies, including XXXX, XXXX, XXXX, and XXXX. You must CEASE COLLECTION efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Today, by email, I received a response from Spring Oaks Capital LLC. It was not the Original Purchase Agreement showing my signature, the original creditor, and their signature giving permission to collect this debt. Instead, they sent me the documents between the original creditor and myself stating that I'm the account holder. But, still not showing I also gave permission to this company to collect. Per USC 1681, since they did not provide me the Original Purchase Agreement as requested, I want this account removed from credit report immediately.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX I 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2022 I noticed that there was a past due payment on my Banana Republic credit card ( XXXX ). XXXX XXXX  had just sold this account to Barclays Bank, and I was assured by Barclays that my " auto-pay '' would not be affected. Unfortunately, it was affected, and I received a late payment fee. I immediately called Barclays Bank on XX/XX/2022 and spoke to XXXX XXXX. He waived the late fee, instructed me to setup auto pay again, and verified that this was not my fault. He promised me that this would not go on my credit report. However, after applying for a loan at my bank, they informed me of the late payment history ( XXXX of XXXX  ). 

This late payment, and negative credit reporting is the error of Barclays Bank. My auto-pay never should've been interrupted, and I was told that it would not impact my credit history. How is this even legal?
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXXXXXX XXXX XXXX my credit card information was stolen over airport wifi and was fraudulently used to charge over 40 separate XXXX $ transactions to my card. I contacted the fraud department which is based over seas and was told this issue would be resolved in 30-90 days. I was also told that because some of the transactions had not yet posted to my card that I needed to call back after they had posted to file another fraud claim to include the rest of the transactions. I called back at least five more times over the course of the last 9 months to clarify why I had not received any reimbursement and to ensure that every single transaction was reported and ready for reimbursement through the fraud protection plan with Truist. Over 40 transactions had posted, all of which charge me interest monthly if not refunded or paid off. I was advised by the fraud department to continue making minimum monthly payments until all transactions had been refunded. It has been 10 months now. I have received 19 refunds XXXX $ each and am still left with XXXX $ remaining balance of fraudulent charges that have not been refunded as well as interest that has been charged to me monthly on this remaining balance.The last refund was given in XXXX and it is now XX/XX/2024. Every charge was reported several times and I am still being given the run around every time I call for an update. I am asked over and over again by the fraud department which transactions I have not been refunded for and which I have been. Isnt that something they can easily see? Why have I not been refunded in 10 months and why am I being charged interest on the monthly balance?