davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MO)

In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 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 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation. due ti XXXX you caused me. my information was also impacted by the Equifax data breach and may have gotten in to the wrong hands.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (GA)

I disputed with all three credit rating agencies and American Express, a charge-off/write-off posted by American Express on my credit report. I provided proof of payment that brought my account current as well as paid double the amount of my minimum payments each month. Some payments were made directly on Amex and others as direct withdrawal via their agent XXXX. I was told by Amex 's agent that as long as I kept my account current and paid the amounts agreed upon, Amex would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to Amex Website as well as have automatic withdrawals. I have documentation on Amex paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to american express. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on americanexpress.com. In addition I am paying as posted on Amex 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors. 

" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it  makes sense to interpret the two provisions in parallel. 

The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances. 

Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information. 

This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My father passed away some time ago and I am trying to settle all of my fathers affairs with accounts and property. His other accounts and property have been handled with no issues at all except for the account at Bank of America estate department. I opened a case with the estate department in XX/XX/XXXX and that case number is XXXX. I was given the instructions to submit a death certificate, letters of instruction for all parties and a court order. All documents Mentioned above has been sent at least 3 to 4 times to XXXX and I am told different things about the documents saying that some of them were received, some were not or some of the representatives saying it takes 24 to 48 to be seen and added but it has been times I sent documents and they were sent immediately by the representative. On my second to last of the multiple calls waiting for an average of an hour, I was informed my court order was rejected by the estate department because some things were redacted and I would be receiving a letter in regards to this. Upon waiting for this letter to arrive in which has been over a month, I verified my address they had on file for me and it was an address that I hadnt given them and has not been used in over ten years. As of this writing, I have yet to receive the rejection letter. On XX/XX/XXXX, my lawyer was able to obtain an clear copy of the court order and it was sent immediately at XXXX and three additional times at approximately XXXX. After being on hold yet again for an hour and a half to see if the documents had been received, I was told that it takes 24 to 48 hours to see the documents again after previous representatives verified it immediately. I became upset and I had my case escalated immediately and I will have a call from the escalation team within 24 to 48 hours. I reluctantly gave in and they gave me a complaint number of XXXX. 48 business hours have passed as of XXXX today XX/XX/XXXX and I have still not heard from anyone via phone call, email, mail. Please help me as this is my fathers final objective and his estate can be successfully closed and this can be put to rest. Thank you
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2018-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute complain to transunion to remove inquires from my file because they were not supposed to be there but they refused with out any explanation. 
file a dispute XX/XX/2018 and waited for month.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.
Consumer complaint received 2021-07-13
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. (CO)

I am being incorrectly reported as 60 days late on my Equifax report for XXXX, XXXX for XXXX XXXX account ending in XXXX. That month was deferred, read my supporting documentation. Nowhere in the agreement for XXXX, XXXX and XX/XX/XXXX does it state that XX/XX/XXXX would be reported late, because if you look at my payment log I obtained on my account on the XXXX XXXX site, XX/XX/XXXX was deferred. I owe {$11000.00}, 6 months were deferred, add my principal paid and minus from my original {$15000.00} loan it is {$11000.00}. I was deferred XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They are lying. I am also being reported twice with the same account with XXXX XXXX on my Equifax report. I have 5 installments accounts listed and really I have 4, Equifax reported XXXX XXXX twice. All the documentation to support the above issues are attached. I have also attached XXXX XXXX  XXXX policy, which I have been affected from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is trying to get away with saying if an agreement is broken, which they are claiming mine was, it was not it was bank error. XXXX XXXX XXXXXXXX does not write letters of error as of XXXX due to liability reasons. That XXXX XXXX is saying the XXXX statement is linked to the agreement, it is not in the legal binding agreement. I was affected directly by a XXXX disaster until I received my XXXX shot XXXX XX/XX/XXXX. XXXX XXXX is directly contradicting their own website on XXXX and lying by saying according to the terms of the agreement, the XXXX statement would be taken off if the contract was broken, that is NOT in the contract. It should stay on my credit report from XX/XX/XXXX to XX/XX/XXXX. READ ALL ATTACHMENTS THIS TIME AND I WANT ALL PAPERS LOOKED AT AND MY REPORT CHANGED. I HAVE BEEN FIGHTING THIS FOR 7 MONTHS.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK ()

XXXX, I use https : XXXX ( XXXX by East West Bank ) . 

I use my XXXX  bank account transfer XXXX to another velo bank account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers velo bank account were frozen {$6000.00} XXXX later, I recharged my bank account, so there is enough balance to frozen ). 

So far, one year have passed and the remittance status has not yet been confirmed. 

Bank still tell me wait. I have been waiting for the bill confirmation for one year, but I still haven't waited. Bank have never told me the exact confirmation time. I really have no patience to continue waiting. I hope the company can help me solve this problem, otherwise I can only complain over and over again.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : CITY OF XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THE XXXX CO XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
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. (FL)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CO)

I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I  have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I originally purchased and financed my 2021 XXXX XXXX with Hyundai Finance in. XX/XX/2021. I refinanced it with XXXX XXXX XXXX XXXX, was approved on XX/XX/2021, and sent a certified letter with check # XXXX in the amount of {$28000.00} to Hyundai with the full payoff balance at that time to Hyundai. Per XXXX XXXX 's confirmation, Hyundai cashed the check on XX/XX/2021, yet Hyundai has not applied it to my account and are still billing me to which I am paying so I do not get a credit hit on my account. I have called Hyundai Finance 5 times since the check was cashed and they have confirmed they have my check, that it is sitting in suspense, but have not posted it to my account. Note : During my initial contact, they could not locate the check so I was told to write to Hyundai California to file a lost check affidavit, which I did. After this letter, I was promised multiple times that the check was found, and that it would be posted to my account within 7-10 business days. As of last weeks call, a manager representative told me it would be posted no later than yesterday, XX/XX/2021. I spoke to another manager representative in their finance department today and they have told me that there is nothing they can do and they can not speak with their accounting team directly only via email and if they do not respond via email there is nothing they can do. I am on a call on hold waiting for another manager now because no one has been able to assist me and I am being told that there is no one anyone can speak to in accounting to get my funds posted. Each time I call, I have to go through the same conversation where they can't locate my check and then when I give them the check number they locate it. 

This is unacceptable as they are still billing me so I am paying two car payments at this time for the same car. They also have not advised when they will refund me my funds for monies I have been erroneously charged while they were 'locating and posting ' my check.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing with Transunion since XX/XX/2020 and they have yet to respond to any of my dispute request at all ... Yes, we all had to deal with the pandemic last year but this is just sad that they are failing to respond to any dispute request that they receive in the mail and this is totally unacceptable ... As you can clearly see the date on this letter and several more has been sent since then and they can no longer keep blaming the pandemic. I am officially filing a complaint against them and so should other consumers ... You all need to start holding these Credit Bureaus accountable for NOT DOING THEIR JOBS!!!!! 

I disputed several items and I am uploading the letter now and I want these negative items deleted immediately as they have had more than enough time ... 6 months later and still absolutely NOTHING.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-03-27
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. (TX)

For the last 6 months i have tried to resolve this matter in regards to my credit report after reviewing my credit report I never opened account with any third party company and therefore under 15 USC code 6802 B opt out law the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I do not consent to my dispute being graded with any electronic eoscar system. I demand a human to process this and if you deem the items as validated or verified i demand you to include 1.Names of The employees and officers of the company.