davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates LLC has not complied with two attempts of requesting Validation of Debt - the second attempt was notarized on XX/XX/XXXX and mailed Certified. ( please see all supporting documents attached ). 
This debt collection company has failed to comply within the 30 day window as stated in the Validation of Debt Letters, therefore their failure to respond indicates acceptance of my position that this " debt '' is invalid. 
Collection company filed a court case against my ALL CAPS legal fiction name without the proper legal documentation bearing my signature. I did not contract with this collection company nor could ever have signed any such document proving said contract exists. 
It is illegal and fraudulent for a collection company to purchase debt then come after me for it. 
" Fraud violates the most solemn Contracts, documents, and even judgments '' [ XXXX vs XXXX, XXXX XXXX XXXX at. pg. XXXX ] The court gave Portfolio Recovery Associates LLC a default judgment and they began to seek Wage Garnishment. I submitted all Validation of Debt letters and supporting documentation to The XXXX XXXX XXXX XXXX XXXX XXXX  and on XX/XX/XXXX, received a Notice of Release of Wage Garnishment. A second Notice of Release of Wage Garnishment was received on XX/XX/XXXX. Meaning : this debt has been Satisfied. 
Now I am being harassed by more Illegal collection attempts via text messages... even my XXXX XXXX XXXX father has begun to receive these fraudulent messages on his own cellular phone in MY NAME. ( please see attached proof of fraud ). This is in violation of 15USC 1692d Harassment or Abuse. A debt collector my not engage in any conduct the Natural Consequence of which to harass, oppress, or abuse any person in connection with the collection of a debt. This is also in violation of 15USC 1692e ( 5 ) : a debt collector can not make false claims or threats to get payment from you. 
Furthermore, this debt that is not mine has been reporting negatively on my credit reports, which is in violation of my privacy rights under the FCRA, specifically 15 USC 1681 ( a ) ( 4 ) requiring consumer reporting agencies to maintain accurate information in consumer reports. Notarized Affidavits have been sent Certified mail to all three agencies naming Portfolio Recovery Associates LLC, requesting immediate removal and relief under the provisions of the FCRA.
Consumer complaint received 2023-08-02
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: U.S. BANCORP (SD)

I started a dispute with US Bank regarding my card, no response for weeks. I get a few phone calls, from called ID blocked numbers or numbers that have no results in an internet search and are not listed anywhere on usbank.com, the caller claims to be from US Bank but I need to " verify '' first by providing confidential - super bad idea for me to go along with this so I tell them I think they are a scammer and hang up. 

I get an email, again from an email address listing a person and phone number that is not independently verifiable asking me to call - I respond that I will not call the number because the information in the email is not independently verifiable. No response Today I find out they are closing my credit card account, perhaps all accounts, it was not clear, because or disputing a charge. Ridiculous and completely unacceptable.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries
Consumer complaint received 2023-06-04
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: 3rd Generation, Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' California Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' California Auto Finance the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, California Auto Finance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. California Auto Finance informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account # XXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXX of this year, I traded in my XXXX XXXX lease from XXXX 's XXXX for a new car. Despite having a few months left on the lease, XXXX 's XXXX paid off the vehicle, and I began a new lease with them. Subsequently, Hyundai billed me {$630.00}, citing Official Fees and Taxes totaling {$34.00}, along with sales, reconditioning, and transportation fees amounting to {$260.00}. Upon contacting Hyundai, I was informed that these charges covered taxes, car cleaning, and transport back to Hyundai, which is incorrect as the new bank took possession of the vehicle. 

I explained to the representative that this seemed illogical, as any reconditioning and transportation costs at the end of a lease should typically be the responsibility of the bank, not mine.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AR)

I have requested to verify a late payment made in XX/XX/2020. 

I have never been late and this is affecting my ability to get approved for a mortgage loan. 

This is not okay and I do not approve of this reporting when this is highly inaccurate. 

Please get this resolved as soon as possible.
Consumer complaint received 2024-07-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (CA)

My Venmo Debit Card was charged without my authorization for {$1.00} after 3 days the company that obtained authorization code for {$1.00} used it to withdraw {$4300.00} from my account. First of all I did not have such balance in my account second its against XXXX XXXX to use the approval code which was not issued for the amount specified. I reported to Venmo and with no investigation whatsoever they denied my claim
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

On XX/XX/24, I was sent wiring instructions to wire money to Citi Bank for my new house closing and down payment money. This was to a Citi Bank account. This was a fraudulent account that I was sent from someone intercepting the emails and sent this over to me. My bank XXXX Bank tried to file a fraud claim and came back saying that the Citi Bank account had insufficient funds and unable to get my wired money back of {$67000.00}. I need help in getting my money back and made right since there was nothing that stopped the wire money at Citi Bank from being taken out without proper security. XXXX Bank filed a XXXX XXXX  Complaint and Citi Bank is not taking any responsibility at all. I am out of the {$67000.00} and my new home, and now with no place to live. I need this made right by Citi Bank and place this money back in my account with XXXX Bank where the money was sent from. No one at Citi Bank will help me with this scam that involved their back and accounts.
Consumer complaint received 2024-03-20
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. (AL)

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within 30 days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on 3 years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to Transunion, XXXX and XXXX. They also have a copy of my FTC report
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Subject : Resolution Needed for Missing Deposit I hope this message finds you well. I am writing to express my deep frustration regarding an ongoing issue with my recent deposit at Chase Bank, located at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I made a cash deposit and met with a personal banker immediately afterward. Unfortunately, this deposit has not been reflected in my account balance. 

Despite my effortsemails, phone calls, and in-person visitsI have encountered conflicting information each time I seek clarification. The escalation department directs me back to the branch for investigation, while the branch manager assures me that the matter was referred to the escalation team. 

Although I dont recall the exact amount, it exceeds {$3000.00}. What concerns me most is that any deposit made with proper identificationSocial Security Number and Driver 's Licenseshould be accurately reflected in my account. I believe that reviewing the CCTV footage from XX/XX/XXXX will clearly show my deposit transaction and may identify any errors during the process. However, despite my requests, there has been no effort made to review this footage. 

I urgently request your attention to this matter and a prompt resolution. I hope we can resolve this issue promptly and amicably.
Consumer complaint received 2023-08-31
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. (SC)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
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: FC HoldCo LLC (GA)

Between flagship credit acceptance and XXXX XXXX credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that XXXX XXXX claims flagship hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. XXXX XXXX is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason XXXX XXXX updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. XXXX XXXX is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been three months at this point. Im to the point where Im going to get a lawyer involved and sue, both flagship credit acceptance and XXXX XXXX for their negligence.
Consumer complaint received 2023-09-18
Product: Credit reporting 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. (NY)

these account /collections are not mine remove os mi credit report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Over the last year dealing with Fifth Third has been a nightmare to the point that now I'm about to lose my home for doing what I was suppose to do. It's almost like they are trying to force me into foreclosure or force me to take their government hardship funding. I promise you, you need to look further into this bank. I do have XXXXXXXX XXXX XXXX XXXX and I have consulted an attorney I need some assistance here I don't know what else to do. Please ask the bank to listen to the call from XXXX XXXX Office of the President on XX/XX/XXXX at XXXX XXXX. I took the call from the office now a days almost every office is connected to a camera. I asked security to allow me to review the footage, everything she told me is recorded because I spoke to her on speaker phone. Per the conversation they finally received the tax payment that they claimed at first, I did not pay on top of that they did not fix it until I pointed it out once again! They explained that my mortgage would be corrected however when I made the new payment amount for XXXX, Fifth Third followed up with another letter stating that it was not enough. At first, I was told the {$3400.00} that was a double payment would be applied to my account now Fifth Third which was not true. This is unreal how they are treating me, I XXXX XXXX XXXX XXXX XXXX XXXX, I will reach out to every person I know in the media if this is not resolved. Please help I'm begging please help me. 

Please note on the email I sent on XXXX, the tax amount was still not applied to my mortgage account in no form however per the letter they sent it was received on XX/XX/XXXX. Check the information from XXXX XXXX to Treasurer the amount was refund on XX/XX/XXXX and cashed on XX/XX/XXXX the same date I sent the email about the problem, but they said they received the payment on XX/XX/XXXX. 

I have attached a portion of the conversation from XX/XX/XXXX, the phone will not allow me to upload the entire 20 minutes. However, per the bank they have the recording, please ask them to provide it.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ammendment to XXXX XXXX new low Capital One ( XXXX ), last week you sent a XXXX XXXX to my home approx. XXXX who woke me up by shouting my name and calling me a XXXX and then driving his truck as if he was going ram right through my gate and refused to leave. You placed a repossession on my credit, then a hired a legal team to charge me almost XXXX for an XXXX car. 

You yet to explain the illegal fee of XXXX XXXXXXXX, btw none of the contracts match! 

You have committed the act of XXXX and many both Consumer, criminal and civil rights.
Consumer complaint received 2024-01-26
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 found some inaccurate information in my credit report after looking into it. By Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must authenticate these accounts. ( A ). It is unacceptable to regard these reporting accounts as unverified information if evidence can not be produced within the allotted time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, I was wrongly charged {$75.00} for a minimum payment via autopay on my CitiCard credit card. I had already paid off my card for the month, and my online account reflected that my minimum payment was {$0.00} for that month. In reviewing previous months, I found that this was not a one-time error, but an ongoing issue where I was unfairly charged for a minimum payment/interest that I did not incur. I called the CitiCard help phone number, where the customer service agent confirmed that I should not have been charged. They advised me that they believe this was due to a glitch connected with autopay, which has been in place since XXXX, and to send a letter to the Billing Dispute department. I promptly sent the letter and have not heard back. The letter requested that they review all charges to my account via autopay dating back to XXXX. I also requested restitution for any unfairly charged fees to my account, as a result of this abusive glitch in their autopay process. I also asked that they perform an in-depth root cause review into this process, in order to provide restitution to any other costumers that may have incurred consumer harm from this same issue.