davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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 (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear PORTFOLIO RC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that PORTFOLIO RC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for PORTFOLIO RC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that PORTFOLIO RC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO RC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALEXANDER-ROSE ASSOC, INC. (OH)

{$900.00} {$150.00} {$2400.00} {$900.00} reached out to find out what the debit is and disputed the information. 

{$5400.00} 2020 Reached out to debt collector wanted to argue with me that this debt is mine advised of misspelling of my name. And that I never resided at this address. 

{$340.00}
Consumer complaint received 2024-08-26
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: Clark County Collection Service (NV)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Nevada Laws Dear XXXX  COLL SVC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Nevada Revised Statutes ( NRS ) Sections 603A.100 and 603A.120. 

It has come to my attention that XXXX  COLL SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Nevada state law, specifically NRS Section 603A.100, emphasizes the necessity of consumer consent for credit reporting. Furthermore, NRS Section 603A.120 outlines specific guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX COLL SVC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX  COLL SVC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and NRS Sections 603A.100 and 603A.120. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Nevada state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX  COLL SVC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-17
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2024, I attempted to access my TransUnion account and was unable to due to a Verification Error. After resetting my password and resubmitting my personal identifiable information, I was still unable to access my account. I called TransUnion XXXX XXXX and was placed on hold for over an hour  without speaking to a Customer Service XXXX. I then called TransUnion XXXX XXXX  for assistance and was also placed on hold for over an hour. While waiting to speak to a live person, I went online to get help via TransUnion XXXX XXXX. I was able to get someone via Chat and ended the call with TransUnion Login Support but called the Customer Service and selected Option XXXX, which was to have a Customer Service Agent call me back. In the meantime, I tried troubleshooting with the online XXXX XXXX XXXX  to no avail. So, after XXXX hour and XXXX minutes, with no success, I terminated the chat. At XXXX, I finally receive a call from TransUnion Customer Service and the Agent read a script that said " XXXX XXXX XXXX XXXX  is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. '' On Saturday, XX/XX/scrub> 2024, at XXXX, I called the TransUnion XXXX XXXX XXXX and again received the automated message saying that " Due to the high volume of calls, you will have to wait to speak to a Customer Service XXXX  or select Option XXXX to have them return your call. '' After waiting an hour, I ended the call. I later called back Customer Service at XXXX and received the same automated message and waited. At XXXX, I selected Option XXXX to have a Customer Service XXXX call me back. As with yesterday, I receive a phone call from a XXXX XXXX XXXX XXXX that read the same script that " XXXX XXXX XXXX XXXXXXXX is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. ''
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XX/XX/year> It has come to my attention that the contributions I have made towards my XXXX ( k ) plan have not been made available in my account. Specifically, it appears that the contributions have been withheld by the XXXX XXXX ( PRA ), but the funds have not yet been deposited into my XXXX ( k ) XXXX account. 

This issue is causing me concern as it directly impacts my retirement savings. As you know, timely contributions are essential to ensuring that my retirement funds grow appropriately and that I can take full advantage of any employer matching contributions and potential investment returns. 

Last notification that was provide to me with an update on the status of my XXXX ( k ) contributions was XX/XX/year>? I would appreciate it if you could confirm the following : The reason for the withholding of my XXXX ( k ) contributions by the PRA. 
The expected timeline for when these funds will be made available in my XXXX ( k ) XXXX - XXXX account. 
Any steps that I need to take or additional information you require from me to resolve this matter promptly.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (NY)

On Saturday XX/XX/XXXX, I responded to an advertisement through XXXX XXXX to lower the APR of my new car loan. The advertisement was for 5.45 % APR through Autopay, shortening the terms of the loan from 84 months to 60 months. This seemed like a great option to explore since even with a higher monthly payment I could save over XXXX in interest. I clicked on the offer after discussing with my wife, I filled out some basic information and was directed to what I thought was a credit app. Not 100 % sure yet and wanting to explore it further before committing to a credit pull I closed without completing the information. I was a little shocked to find they had performed a hard inquiry on my credit later that day. Annoyed but not totally dissatisfied I spoke to a representative from Autopay today XX/XX/XXXX. After providing more detailed information on my income, she then told me she would shop for lenders, I was annoyed to hear this as I thought Autopay was the lender. She then cam back with a best offer of 6.5 % APR. I asked if that could be improved, she said yes if we included my wifes income. I then asked what was the best offers she sees for the most well qualified applicants and she said nothing lower than 6 %. My first complaint is that the advisement was misleading, knowing that an offer below 6 % is highly unlikely and that they were not a lender but an agent. My second complaint is that they performed a hard pull of my credit report, without informing me and affecting my credit score.
Consumer complaint received 2023-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

Tuesday XX/XX/23 at XXXX, I recieved a callback from EdFinancial and requested the banking information of this company, in an attempt to establish an ach transfer. I was refused such information. 

Thursday XX/XX/23 at XXXX, I spoke with XXXX XXXX last name not provided ) and she told me that she is refusing to provide me with the company 's account number for an ach transfer, because she believes that an ach transfer is a wire transfer and company policy dictates that they do not accept wire transfers, despite my explained intent for an ach transfer, to protect my own finances.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am attempting to refinance my vehicle. In order to refinance the bank, XXXX XXXX XXXX, must run a report through ChexSystems. XXXX XXXX XXXX reported back to me that there was a freeze on my report. I contacted ChexSystems to temporarily lift the freeze. The agent I spoke with stated the freeze was lifted for the set time frame. 


XXXX XXXX XXXX subsequently tried to run a check again and my report still showed a freeze. I contacted ChexSystems once more and they stated the freeze was indeed lifted. From there I opted to permanently remove the freeze, which I did myself via my login for their ( ChexSystems ) website. XXXX XXXX XXXX tried to run the check again, and received the same message regarding a freeze. 


I contacted Chexsystems once more and confirmed, once again, there wasn't a freeze in place, it had been permanently removed, and was also informed that there was nothing they could do to fix the issue. I requested to speak with a supervisor or higher-level manager and was placed on hold, with the call eventually disconnecting. 


I contacted ChexSystems multiple times as listed below : XXXX. ) ( XXXX ) XXXX : a. ) XX/XX/year> at XXXX XXXX EST for XXXX minutes b. ) XX/XX/year> at XXXX XXXX EST for XXXX minutes, XXXX seconds. 


XXXX. ) ( XXXX ) XXXX a. ) XX/XX/year> at XXXX XXXX for XXXX minutes, XXXX seconds. 


Credit reporting agency problem is with : Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to Freeze my Credit with TransUnion multiple times over the last 2 months using their website and phone channels. Website always shows an error directing me to call them. When I call them, it gathers all my personal information and ends up in a place where I can not proceed any further. Any help in freezing my credit report with TransUnion would be appreciated. 

For comparison, I froze my credit report with XXXX and XXXX in the very first attempt.
Consumer complaint received 2024-07-29
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-07-26
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. (TX)

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : XXXX. Conduct a thorough investigation into the reporting of this account. 
XXXX. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. XXXX. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Dear Citizens Bank, I was deeply concerned to discover a late payment reported on my credit report for XX/XX/2022, indicating a 30-day delinquency.

As a responsible customer, I have always taken pride in managing my financial obligations and ensuring timely payments. I believe I made my payment upon receiving my statement, and I am unsure how this late payment occurred. Its possible that my statement was delayed or misplaced, particularly as this happened during a challenging time when I was hospitalized due to XXXX. 

Given our strong and positive relationship, I kindly request that you remove this XXXX0-day late payment from my credit report. Additionally, I would appreciate the refund of any late fees that may have been charged. 

Furthermore, I believe there may have been a billing error under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. These potential inaccuracies have resulted in incorrect reporting, and I respectfully ask for the immediate deletion of this late payment from my credit report. 

I have valued my experience with Citizens Bank and would prefer to resolve this matter amicably and efficiently. Your prompt assistance in correcting this issue would allow me to continue enjoying the excellent service Ive come to expect from your bank. 

Thank you for your attention to this matter. I appreciate your help and look forward to your favorable response. 

Sincerely,
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (IL)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-07-29
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. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!