davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX in the State of Georgia on the XXXX day of XXXX, XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the XXXX XXXX XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/year>, I attempted to place a credit freeze with Transunion due to one of the recent major data breaches in the U.S. I was able to log into the website but could not place a credit freeze. I have tried all avenues but can not place a credit freeze with Transunion and can not contact a representative of the company. 

Below is what I tried, spending significant personal time doing so. 

1 ) Website -- credit freeze feature does not work ; tried with different browsers.

2 ) App -- unable to access account to place a credit freeze via the app.

3 ) Text messaging -- no ability to place a freeze via their automated text messaging function.

4 ) Phone - Placed on hold with no access to representative. 

At this time, it is impossible to place a credit freeze with Transunion on their website, app, or by calling. XXXX and XXXX worked fine but not Transunion.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a capital one business SPARK checking account. I had used it for over 4 years regularly. One day I can not log in. I call to ask why and they say there was fraud associated with the account. They refuse to tell me what fraud or how to challenge it and they retained my deposits which were regular business deposits for years... 

I went through every channel I knew to dispute ( visiting capital one branch in person, endless phone calls, at least 20 hours on various phones, trying to file with report fraud.ftc.... etc... but no luck. 

Would appreciate an investigation and if I can get my final amounts refunded that they had when they closed my account.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the unlawful repossession of my vehicle, a XXXX XXXX XXXX, XXXX : XXXX, which occurred on XX/XX/XXXX. The repossession was carried out in violation of federal laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as my constitutional rights under the XXXX  and XXXX  Amendments. 

Violations of Federal Law XXXX. FDCPA Violations : - Under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations, including falsely implying affiliation with any state or federal agency. 
- Under 15 U.S.C. 1692f ( 6 ), debt collectors are forbidden from taking or threatening non-judicial action to effect dispossession or disablement of property without a present right of possession, intention, or where the property is exempt from such action. 
- The vehicle repossession was executed without any judicial order or enforceable security interest, rendering the action unlawful and deceptive under 15 U.S.C. 1692d and 1692e. 

XXXX. FCRA Violations : - As defined under 15 U.S.C. 1681a ( d ) ( 1 ), the unauthorized acquisition of my consumer report by running my license plate to assess my creditworthiness was a breach of privacy. Obtaining this report without my consent or a court order violates 15 U.S.C. 1681b ( a ) ( 2 ) and is punishable under 15 U.S.C. 1681q and 1681r. 

XXXX. Constitutional Violations : - The XXXX  Amendment protects against unlawful search and seizure. The seizure of my vehicle and access to my consumer report without a court order is a clear violation of my constitutional rights. 
- The XXXX Amendment guarantees due process before any deprivation of property. The seizure of my vehicle without due process and without just compensation for its intended public sale is a direct infringement of my rights. 

Requirements for XXXX XXXX companies are required by law to : - Display their XXXX License or provide their name, address, and phone number on both sides of their vehicle. 
- Provide the debtor with the name, address, and phone number of both the finance company and the repo company within XXXX hours of the repossession.
Consumer complaint received 2024-10-23
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I can not retrieve my credit report from TransUnion. I get this error message : " We're unable to complete your request online. '' Contacted them in the XXXX  of XXXX, they said there was an error on the report and said they would fix it. 

Today I tried to access again and get the same error. I have called three times and have been told that there is an error on the report. They then transfer me to " Technical Support '' and the call disconnects after 30-45 minute with no answer or resolution. 

I have spent 3 hours on the phone over three hours and can get no one to respond to help. 

I can not reach someone for a timely resolution. There are no mailing options on the website or social media/texting options presented. 

They are not transparent and make very effort to frustrate a consumer so that they don't hjave to deal with it!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (AL)

My current mortgage was sold to Regions in XX/XX/XXXX & I received letter confirming transfer. No issue with that but I then received notification that Regions had done a hard inquiry on my credit causing score to decrease by approx XXXX points. I called Regions to inquire & got nowhere. I physically went into branch & was assured the credit would not have been pulled just for my mortgage being sold to them! Not a day letter I received a notification that a dispute had been filed on my behalf by Regions. This the viscous cycle has began & is still going as of today XX/XX/XXXX where I was notified again on XX/XX/XXXX that my score went down again by XXXX points. I tried reaching out to XXXX but they pointed me back to Regions. I have NOT ever authorized Regions to pull my credit and even went a step further & told them by phone call that I did not authorize them to do ANYTHING on my credit involving disputes until I physically spoke with someone & got to the bottom of this. This has been ignored and for the past 3 months my credit monitoring has been overwhelmed with messages of Regions performing hard inquires, filing disputes on my behalf, removing disputes, etc all on my behalf & I have never authorized any of this! I have screen shots of phone calls w/dates & times , screen shots of alerts received as well as actual emails I sent regarding this situation. This has been a nightmare & Regions continues to blow me off & not take this seriously & only say we would not pull credit when a mortgage is purchased but its obvious Regions is doing something without ever getting any kind of verbal or written authorization from me and has CONTINUED to manipulate my credit even after I blatantly called & said do not touch anything.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Chase bank has closed several of my accounts. They refuse to tell me why these account were closed and they are holding the funds in these accounts. Ive called them 10times over the past 2 months trying to get updated on when I can expect to receive my funds. They keep telling me that they are waiting for the back room to verify information and to call back at a later date. They cant guarantee that my funds will ever be released to me and they cant tell me when to expect an update from the back room. They are telling me to keep calling back for an undefined amount of time until there is hopefully an update. This has already been going on for months and could take many more months/years to sort out because no one can guarantee a time frame. This is very unethical. They are keeping MY money from me and cant tell me when theyll have an update on my funds. Ive spoken to several supervisors who cant connect me to the back rooms and cant connect me to a complaint, grievance, or fraud department because apparently Chase Bank doesnt have those.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (FL)

I notified XXXX in XXXX that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by Mandarich Law and they have since won a judgement against me. My pay is currently being garnished. Mandarich law firm has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from Mandarich. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am XXXX of XXXX. These are shady practices all to the benefit of XXXX and Mandarich law. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.
Consumer complaint received 2022-12-05
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. (MA)

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account to pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (OH)

I was notified by XXXX XXXX XXXX that I hadn't returned my equipment. I shipped it back and have a receipt showing that. I contacted XXXX XXXX XXXX ( XXXX ) and they agreed and noted it on my account. Since then I've had several dept collectors trying to collect money from me. I've provided the proof and they stop, but each time they come back again. 

credence at XXXX XXXX XXXX, XXXX XXXX XXXX TX is the latest to reach out to me about this same item.
Consumer complaint received 2024-09-05
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. (KY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

Hey I want these hard inquiries. Removed off my credit report. I didnt authorize these companies to run my credit its fraudulent. All these inquiries were unauthorized Im a victim of identity thief. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

I do not have a contract with Jefferson Capital Systems and do not owe the alleged {$770.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am no participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Consumer complaint received 2024-09-05
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. (KY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (AL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.