davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Company is Portfolio Recovery Associates ( PRA ).

I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the de

bt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt Portfolio Recovery Associates claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.

I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' PRA has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My debit card information was stolen by an unknown party and used to make {$560.00} worth of purchases, appearing on my bank statement as XXXX separate " XXXX XXXX XXXX XXXX  '' transactions on XX/XX/XXXX and XX/XX/XXXX. I have provided my bank, XXXX, with evidence that shows these transactions were not completed by me, given that none of these charges appeared on my XXXX account, nor did I receive any email receipts confirming that I authorized these purchases. 

My initial claim began on XX/XX/XXXX, XXXX the moment I recognized my debit card information were stolen. Chase bank temporarily issued me a credit of {$560.00} to make up for what was stolen, however on XX/XX/XXXX I received a letter from Chase explaining that my claim was not found to be in my favor due to a lack of evidence and that they were going to take back the {$560.00} credit they had deposited in my checking account. 

I submitted additional evidence to Chase 's online portal on XX/XX/XXXX, and as of XX/XX/XXXX I was informed by phone that the claim still was not in my favor, despite clear evidence that I did not make these purchases. Chase 's reasoning, from what was explained to me on the phone, was that because my PIN number was used to complete these transactions -- it must have been me. 

I spoke with an XXXX XXXX  by the name of XXXX XXXX on XX/XX/XXXXXXXX  who shared with me information explaining that these purchases were conducted by someone by the name of XXXX, and that XXXX blocked this payment method ( my debit card information ) on their XXXX account so that they can no longer use my card. 

Even after overlooking this evidence I provided to Chase, they still decided I am at fault and withdrew {$560.00}. I am hoping to continue this dispute with Chase so that I receive my stolen money back.
Consumer complaint received 2024-01-28
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: JPMORGAN CHASE & CO. (TX)

I have hard Inquires from XXXX XXXX XXXX Inquired on XX/XX/year> that I'm not aware of. Also 3 Hard Inquires from JPMCB Card dates are XXXX 1 inquire from XXXX XXXX XXXX  date XX/XX/year>
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

I have recieved 19 calls in the last 3 days ( XXXX, XXXX, and XXXX ) from Comenity Bank. All but one time they hung up on me when I answered. They were a mix of calls labeled XXXX numbers, restricted and private numbers as well as Comenity Bank. I finally had someone talk to me when I answered a restricted labeled call and they said I was past due on my payment. I had was 2 weeks past due and planned on paying the debt off on payday. I did that today XXXX. I have not missed a payment prior and I feel that I was harassed at all hours of the day interrupting my work, sleep, and family time. I feel that the tactics have been aggressive and accesive. The website to pay the bill was not accessible and I had to jump through a lot of avenues to satisfy the bill. I feel that paying the bill is so complicated that the average person would be incapable of doing so.
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WA)

I leased a XXXX XXXX XXXX through Hyundai Motor Finance in XXXX. I recently moved to XXXX and I have 30 days to title, register, and get XXXX plates on my vehicle. I have been in touch with Hyundai Motor Finance via phone, email, and secure messaging since XX/XX/XXXX. The customer service folks have told me on phone that they have sent the copy of the title to my address ( on XXXX ) and directly to DMV ( on XXXX ) but neither I nor the DMV have received the documents. I have followed up numerous times with customer service and I have never received a tracking number for the mail they supposedly sent. I moved to XXXX from XXXX on XX/XX/XXXX, and I need this paperwork to register my car in XXXX by XX/XX/XXXX. If I don't get a copy of my title soon, my car will become illegal to drive.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I walked into the TD Bank at XXXX XXXX XXXX In XXXX NY to report my debit card stolen and obtain a new card in person. When I opened the account just a few weeks prior I was told I needed to update my phone number with the agent because I had an old account in good standing. The agent updated my phone number at the time of opening the account so that I would be able to log into the mobile app. On XX/XX/XXXX I noticed my card was missing, its a new account that I dont use yet. I walked into the bank and no one greeted me. Workers were just standing around. Finally someone asked what I needed and I asked for a new debit card. I was told to sign into a kiosk and wait. Finally a gentleman called me over to his desk and I told him I noticed my card was missing and I needed a new card. He took my Drivers licensed, confirmed my account then asked if he could send me a code to my phone to which I replied yes. Once noticing I did not receive the code I asked to confirm the number to which he told me the number and I said oh thats my old number from my older account. He told me he could no longer help me and that my card would need to be shipped to my home address. I then explained that the number was indeed updated upon opening my account because I was granted access to my MOBILE account. He whispered to the supervisor sitting next to him who didnt even have the professioablism or respect to look up and simply said TD Policy, mail the card. So here it is XX/XX/XXXX, my account is now overdrawn because someone used my account to get gas and I still do not have my card in the mail. He never ordered it!
Consumer complaint received 2018-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that this is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, XXXX and Experian. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. ()

This is related to my other 2 complaints ; I was XXXX  during my visit to my parents in the XXXX last XX/XX/. The visit was sponsored by my sister who were living in the US and also in their house I stayed. My stay in the hospital accumulated a large amount of bill which I can't afford to pay. That's the reason why I ask for assistance to XXXX XXXX because I don't know how to pay it because I don't have a job. I only rely to my husband 's little amount of salary along with our XXXX kids. And we barely have some spares with that kind of amount. It's only enough for our day-to-day necessity expenditures.
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I have been trying for days to spend my two American Express gift cards online and they seem to get declined everywhere I try to shop. The cards are worth exactly {$99.00} each. This has been causing me a lot of trouble. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

During XXXX, AMEX illegally reduced my credit line over XXXX and I never missed one payment from them. Credit Protections Under the XXXX  CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. Take in mind, I NEVER used any CARES ACT for AMEX express, please see credit report history. Yet, it seems they used inaccurate data to illegally find a reason to say Im a POTENTIAL RISK. Ive came to them with good faith requesting my credit line increase and was gaslighted with unexplained jargon that deflects the wrongdoing that took place with this transaction. AMEX please send over your legal departments email contact, mailing address and the name of the department as I plan to move forward exercising my right to my OWN credit and you guys are refusing to increase my credit line. I want the maximum amount allowed for my credit line with retaliation. The Equal Credit Opportunity Act ( the ECOA, 15 U.S.C. 1691-1691f, as amended ) prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public benefits ( such as Social Security XXXX XXXX or because a person exercises his or her rights under a consumer protection statute. ECOA applies to both the original extension of credit and to actions taken after the credit is extended, such as the termination of an account. If a creditor violates ECOA, a consumer may be entitled to actual damages and punitive damages up to {$10000.00}. In addition, ECOA contains a fee-shifting provision which may require the defendant to pay the plaintiffs attorney fees and court costs. And I can prove that your establishment used discrimination due to RECEIPT OF PUBLIC BENEFITS! I Came to you guys with good faith and I have EXCELLENT credit history with your company. Im not letting up until Justice is served. How is it legal to reduce a consumer credit line over XXXX DURING THE PANDEMIC when it was needed the most! Yet the consumer never not once missed a payment. Reducing my credit line immediately made my credit utilization skyrocket negatively and drastically reduced my credit report. And for some reason credit karma is only showing my credit history from XXXX correctly but I opened this account in XXXX.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OK)

According to 15 USC 1681 ( A ) : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave Discover Bank or any known affiliates the right or authorization to report the balance of any credit card in my possession onto my credit report. I disputed through XXXX on their online portal and was denied. Discover Bank is in direct violation of 15 USC 1681A by reporting this information to my credit report.
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

XXXX XXXX, 2024 Dear CFPB I am writing to bring to your attention that, due to incorrect reporting, my credit score has decreased by XXXX points within the past 30 days. I have filed a complaint regarding this matter ; however, the issue has not been resolved yet. All my accounts are in good standing and up to date. Why did my score go down by XXXX points in last 3 weeks Could you please provide an explanation and reason? 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2016-07-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NationStar Mortgage Company has continued to inaccurately process payments to my mortgage account over a period of time. I have exhausted myself calling and reviewing the account with several different agents and to no resolve. On XXXX XXXX, XXXX I spoke with a supervisor regarding the matter because I was promised a refund check due to an escrow overage. He stated the first agent did not process the request accurately, and he was mailing it today and assured me by giving me a tracking number of an arrival date : XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX and I have an agent from Nationstar on the phone-line via USA ( UNITED STATES OF AMERICA ), whom stated it never happened! At no time did I request Nationstar Mortgage to wright and void a check in my name, virtually returning the funds back into the escrow account. 

This matter goes further back to XXXX of XXXX, a payment in the amount of XXXX was received by Nationstar, on my behalf. I requested them to apply to mortgage six months out, so I would have no mortgage payments until XXXX XXXX. Upon agreeing to these terms and conditions, they removed my six month options and demanded payment on XXXX XXXX, XXXX. 
Furthermore, after back and forth with their representatives to correct the problem I paid the mortgages late for XXXX XXXX and XXXX XXXX. 
This is a shame!
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MONEY SOURCE, INC., THE (TN)

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.