davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Porsche Financial Services, Inc. (AL)

We leased for 39 months a new XXXX XXXX  XXXX. The vehicle performed well, except we had to take it back numerous times to get an air leak fixed on the passenger side front door. Our lease was up XX/XX/XXXX. The Auto Vin inspector sent by XXXX  came out, ( inspection # XXXX ) and during the inspection, we were informed our vehicle had been wrecked and repaired. Damage was done on the passenger side front door, rear door, and rear fender. In fact the inspector said the paint job was not up to XXXX  standards. The inspector told us we would have to pay for the repairs, even though we informed him we had not wrecked the vehicle. When the inspector left, I called XXXX XXXX XXXX  in XXXX Florida, where we leased the car. After about a 2 hour delay, I had a call from the manager of XXXX  in XXXX, who stated we would not have to pay for the repair, however, we were not offered any additional compensation for being sold a wrecked vehicle. After further research we discovered XXXX XXXX owned XXXX  dealerships in four states. We called Mr. XXXX, but initially got to speak to his son XXXX XXXX, who took our information and stated he would get back to us on thiS fraud. We did not hear back from him, even though we called hIm numerous times. We have since discussed this with an attorney, who indicated that we should at first try to handle this through Porsche  Corporate. We contacted Porsche  corporate who agreed to contact XXXX XXXX and coordinate a settlement. This went on for a while. But we were never contacted by the XXXX XXXX group. We actually went by the dealership located in XXXX, Fl. To meet with the general manager. He refused to meet with us and we were told to contact their attorney. They would not give us contact information. 

The VIN number WP= XXXX Leased : XXXX XXXX XXXX
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MN)

I was with XXXX and I switch over to XXXX XXXX  and XXXX XXXX  they will pay them of so when I switch to XXXX XXXX they said I have to paid XXXX of..so they send me to collection both XXXX and XXXX  XXXX and this is been damaged to my credit..they deceive me and mess my credit up I have suffer financial hardship it cause me health problems in my life and can't get a house loan for my family..XXXX  XXXX and XXXX cause hardship in my life
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

I contacted credit bureaus in regards to a debt appearing as a collection on my credit report I asked that the debt be validated and verified as I had no knowledge of the debt I never received a validation or verification yet item continues to report on my credit file ... .I they finally was able to find a email address on line for the collection company and reached out to them still no validation or verification I was a week away for closing on my home and really needed to settle this debt to close do I tried to settle the best with a payment and police report to prove my identity was stolen several years ago still no response from the collection company XXXX  XXXX XXXX ( PRM ) or the credit bureaus Please note I have not used the name XXXX XXXX since 2016 after receiving a legal name change the collection account shows the name XXXX XXXX
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I was supposed to receive a credit balance refund check from chase after my credit card is closed. the check was supposed to sent out in XX/XX/2020, but i never recevied. After talking to Chase over the phone for 2 months for the check, they finally mailed me a cancelled check that was cashed by someone else on XX/XX/2020. after receiving the cancelled cash from Chase, I noted to Chase that the refund check was not received by me and asked for a new check. 

Now Chase forced me to sign the " Declaration of unauthorized endorsement or altered item '' form even though it was clear from the canceled check that the refund check was not signed by me and i did not do anything wrong ( never received the check, called them multiple times on this issue and pointed out to them that the cancelled check, which they have, noted that it was signed by someone else ). 

It might be within Chase policy, but this is a perfect example where " big banks '' post undue burden on a regular consumer to deflect their mistakes and hope that a regular consumer, like myself, would not follow up, so they can get away from their mistake.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the inaccurate account in my report : XXXX XXXX Balance : {$440.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing in response to your recent communication dated XX/XX/year> concerning the debt referenced above. I acknowledge that you have attempted to verify this debt. However, I still require further clarification and specific validation for the following reasons : 1. Detailed Accounting : I request a complete breakdown of how the amount you claim I owe was calculated. This includes the original principal amount, interest rates, fees, and any payments or credits applied to the account. 2. Proof of Ownership : Please provide proof that you or your client owns the debt. This should include a copy of the original contract or agreement that bears my signature, demonstrating that I am indeed responsible for this debt. 3. Chain of Title : If the debt has been sold or transferred, I request documentation showing the chain of title, from the original creditor to your current ownership of the debt. 4. Statute of Limitations : Please provide the date of the last payment made on this account to confirm that the debt is within the statute of limitations in my state. I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide proper validation of the debt. Until you do so, I will consider this matter unresolved, and I request that you cease all collection activities, including reporting to credit bureaus, until this validation is completed. Please respond to my request within 30 days from the date of this letter. Failure to do so will result in me considering this debt invalid, and I will proceed accordingly. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2017-09-19
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: Experian Information Solutions Inc. (CA)

Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service
Consumer complaint received 2020-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (RI)

I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX  in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated   to quarantine  for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX  plague, the coronavirus.
Consumer complaint received 2020-04-23
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. (PA)

CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (VA)

I joined Experian 's credit service called XXXX. 
There is a 7 day free trial. 
The day I joined I also cancled my memebership. 
I canceled because the credit reort I received from this bogus service was not even mine. 
I wrote and mail them a letter, since if they couldn't furnish my credit report. How could I trust their cite to cancel? 
I have attached that letter, dated XX/XX/2020. 
Recently, they charged my credit card anyway and I incurred an overdraft fee. 

So fine this incompetent and fraudulent Experan service immediately. 
Have Experian actually furnish my credit report. 
Have them cancel my membership and take their charges off my credit card immediately. 
This is fraud. There should be severe consequences. Do your job.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MO)

XXXX company amount is accurate tried to offered a lower amount for the debt to get it off my credit but company doesnt want to settle. I no longer owe the debt to the originators was sold to pro collect which is a collection agency.
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (CA)

I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AL)

I have tried for 2 days now to get a credit freeze off my account. I have called at least 4 different # s can't get a human, tried every different option on their menu to no avail. waited on hold for 15 min.s several times before hanging up. this is ridiculous and I feel on purpose because we are not PAYING for credit freeze! PLEEEEEZE do something about it? im not the only 1 I just read on line a woman said she had been trying for 2 mos.s! I need this removed NOW im trying to get a credit card that I NEED! thank you please FINE them until they correct their abusive behavior!!!!!!!!!!!!!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Information on Bankruptcy Verification Methods I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and verify this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data. 

Thank you in advance for your cooperation, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I went to do food shopping at XXXX XXXX. I tried to purchase the food supplies by using the Chase debit card and realize the card was deactivated. I could not find a direct answer for the reason of the closure from the branch on that very same day. I was told by one of the bank representative to call " XXXX. It has been difficult for me to try to resolve this issue during the COVID-19 and I have health issues. I was severely stressed out when I called the number that was issued to me and waited for 45 minutes and a representative picked up the call was the problem. This individual I could not understand clearly because he was from XXXX with a severe accent. I could not get the answers when I ask " Why is my account closed? '' and " How can I pick up my remaining funds from this account that was restricted? ". The only thing I understood was the remaining funds will be sent through casher 's check by mail within 10 business days. I was furious because I needed to open up another bank account and still have responsibilities to pay other creditors. I had to use a different credit card to pay for the food groceries and it was raining that day. All this has placed myself to a health risk due to COVID-19. This XXXX was the number to call for disputes and it turned out this number is the issue. The Chase bank representative I spoke with had an attitude and said " You will never ever have an account with Chase again '' with a stern voice. I deposited this money with this Chase bank in trust and expected to receive it back the same way. Why did Chase just give me the money on the same day instead of mailing it by mail which takes more time. I know XXXX XXXX does not do that and XXXX  XXXX XXXX. 

So you can the frustration I am currently going through. I still do not have my money but I managed to open up a new account with XXXX  XXXX XXXX. My other concern is that I still have a final direct deposit from the Veteran 's Administration going directly to the restricted Chase account. I hope the bank do not decide to sent it through mail again. Once again, why can I receive it on the branch before the account go to a complete closure or I prefer if the direct deposits ( XXXX  and XXXX by from the Veteran 's Administration ) return to the VA since the changes has been made with them for myself to receive the future funds. Please look at this manner, it is completely unsatisfactory. I need the money to pay for rent, utilities, auto, insurances, etc.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid 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: Neon Newco Corporation (FL)

On XX/XX/2020, I text netspend to get my account and routing information. They sent the wrong information. I had a deposit go into that account. Netspend first said the account is not mine, so I asked why didn't they reject the deposit. They said I needed an indemnity letter, I provided a deposit letter from the insurance company and they said it wasn't good enough. So I continued to ask how could they deposit my money into someone else 's account. They then said that the account has been closed for years. I then asked why didn't they send the deposit back or deposit it into my right account since they gave me the wrong information. They refused. The money was deposited on XX/XX/XXXX, and I still haven't received it and they won't send it back. 
The money is from the insurance company for my car to get fixed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

Around the end of XXXX, I first attempted to have a freeze on my credit with Experian lifted by completing their online form, but was unsuccessful. I was then informed that I would have to mail a copy of my Social Security Card, Driver 's License and a current bill with my mailing address ( which I did on XX/XX/XXXX ) in order to be re-issued a new PIN. 

Since then, I have called the Customer Service number at experience at least 5 times to request that they lift the freeze on my credit so that I can apply for a refinance of my home mortgage.Thus far, I have been unable to contact anyone at Experian to request a new PIN or to have the credit freeze lifted.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MA)

On XX/XX/2020, my credit score dropped due to a new derogatory account being added. This account was a charge-off that I never received any notice of whatsoever, and have no clear idea of what the original debt is.
Consumer complaint received 2020-04-25
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: CITIBANK, N.A. (TX)

I have a Citi Prestige credit card. There was a fraudulent charge on my account from XXXX XXXX for {$370.00}. This was a pending charge for 5 days and became an official charge on XX/XX/XXXX. 

I called Citi on XX/XX/XXXX and XX/XX/XXXX and after 24 to 48 hours of trying to get through to them finally got through they said they would mark the charge as fraudulent and send me a new credit card. I did receive a new credit card and a new account number but this charge has now also been billed to my new credit card. I tried contacting Citi but they just kept stonewalling me saying they need time. This is a fraudulent charge and I have been with Citi for 25 years. In the past, such issues have been settled quickly and efficiently. This time, I would like Citi to step up to the plate and settle this issue.