davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX XXXX, has violated my rights. 

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.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Receivables Fund Incorporated (IL)

On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was UNIFUND. UNIFUND sent XXXX XXXX XXXX my incorrect information and are threatening me with a lawsuit. 

First off, UNIFUND does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now UNIFUND and XXXX XXXX XXXX and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that UNIFUND posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. 

My reputation and financial information were completely violated. 

To make matters worse, when I contacted UNIFUND, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager,  but instead he hung up. 

All the information UNIFUND has pertaining to me is inaccurate as well as this debt. 
XXXX has written off my account and did not reach out to me to pay them any outstanding amount. UNIFUND who is working alongside with XXXX XXXX Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want UNIFUND or XXXX XXXX Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.
Consumer complaint received 2021-09-30
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 (NJ)

Due to Tropical Storm Ida, our leased car flooded and insurance declared it a total loss. We proceeded to contact Hyundai and they gave us the runaround on the payoff amount even though the insurance kept asking for it. I was able to have a three way call with them where they stated the payoff amount was around XXXX. Insurance sent them a check for over XXXX. They received said check. We were told the moment we reported the loss that we no longer had to make additional payments ( we have it recorded ). Our account has been placed on delinquent status. On top of that we have called 3 times today and each time we get a different excuse. First, oh its only been 6 days, it takes longer than that. Second, well the processing department is being slow. Third, well gap insurance needs to be filed ( makes absolutely no sense given the fact that they were paid more than what the number they gave was ). Lastly, oh insurance didn't send some paperwork we need ( however, when pressed they stated they had not contacted insurance and they sure as heck have not contacted us to let us know ). So which is it? At the end of the day, they are either trying to steal our money ( any amount higher than what they stated needs to be refunded to us ) or they are just the worst company ever. Their elusive total loss department can not be contacted. Our account is delinquent and they refuse to fix it. They refuse to fix the issues and it is having an impact on our credit which is unacceptable. We want this resolved and we want it resolved now. There is no reason why this needs to be so hard. There is no reason I should be dealing with this 10 days post partum. Hyundai Motor Finance is preying on people and they need to be investigated.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (MI)

My situation involves a time barred debt held by Cavalry Collection agency which I am being sued over. I found out about the lawsuit because I received a solicitation from an attorney explain that they could help me in the lawsuit. I had no idea there even was a lawsuit. What there was were numerous disputes from my behalf against Cavalry collection agency, all of which have been ignored and or responded yo not with the itemized charging documents or other original paperwork tied to the account as the FDCPA outlines, but rather with bills for their agency. 
The debt is old. Past the state statute of limitations. The moment I got wind of the lawsuit, I called the attorney of record for Cavalry : XXXX XXXX XXXX | Attorney at Law ( Admitted in Michigan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX I explained that the debt was past the state statute of limitations and she informed me that a payment was received in 2016 of {$20.00} dollars that restarted the statute of limitations. When I asked where the payment had come from and who had made it against the account, she replied that she did not have the information and that it didn't matter who made it. The " payment '' reset the statute. I was then informed that Cavalry was suing me for {$2000.00} dollars but if I paid {$1000.00} they would remove the debt from me and not continue with their lawsuit. I find this all preposterous and highly dubious. Very convenient that a phantom payment was recorded by an unknown individual that " doesn't matter '' which reset the statute of limitations just when it was about to age off. 
I also find it highly suspicious that while I disputed the collection numerous times, Cavalry has chosen never once to comply with the FDCPA laws and provide tangible documentation on the debt. I suppose that doesn't matter as well. 

I do not have an attorney yet, but am asking this agency to step in and mediate the matter to make sure that my rights are not being violated under federal law. Furthermore I request that my original request for validation be noted for the record as well as that cavalry filed a lawsuit against me without proper notification never once having answered by disputes. I had to find out through a solicitation from an attorney who monitors court filings of their legal action. Completely shameful.
Consumer complaint received 2021-09-30
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 — Investigation took more than 30 days
Company: Army and Air Force Exchange Service (NV)

I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

XX/XX/2022. I received an unsolicited fake debt collection notice via bulk consumer mailer from Jefferson Capital Systems LLC. The notice was sent to my home address for " XXXX XXXX XXXX XXXX '' to pay an alleged debt of {$2400.00} purchased from XXXX XXXX Bank Checking ( XXXX Reference # XXXX ). I have no affiliation with XXXX XXXX, XXXX XXXX XXXX, Jefferson Capital, nor do I owe any outstanding debts. This appears to be a bulk mailer scam to trick random consumers to make payments on falsified debt information. I have included pictures of the mailer.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (WI)

JPMORGAN CHASE XXXX received my tendered bond, I endorsed to CHASE, for {$5000.00}, and CHASE did not credit my account. Instead, they have been calling me for " payment '' and have not returned my bond. I know this remittance coupon is an interest payment to the investor. I am the XXXX XXXX XXXX of age majority and I have revoked my POA with CHASE. I can also point out every detail of fraud on the dealership contract ( XXXX ) between XXXX and CHASE. Instead of going through the trouble of a certified forensic audit and displaying all the fraud in front of me ( if you don't think I know, try me ), I have GENEROUSLY endorsed MY remittance coupon with the bond in the name of CHASE - even though CHASE has already been paid with my signature! I have been generous and patient while becoming more informed of the accounting principles of XXXX. I'm growing very impatient with banking securitization fraud and misappropriation of funds. I was loaned credit; was I not? Credit does not equate to funding. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - The court in this case emphasized that a credit transaction encompasses the agreement between a lender and a borrower to provide and repay credit, respectively, without requiring the actual transfer of cash or funds at the time of transaction. '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - This case highlights the distinction between a credit transaction and a cash transaction, emphasizing that while cash transactions involve the immediate exchange of funds, credit transactions entail the extension of credit by a lender to a borrower, creating a debtor-creditor relationship without the necessity of physical fund transfer. '' You failed to inform me you weren't giving me physical funds but you told me I owe you XXXX, ' that you'll only accept legal tender - interesting. 

The cash transaction and the credit transaction do not equate to the same, they have different functions ; my promissory notes are exchanges for 'money ', and yet the only source of funding, according to XXXX, is credit. You're demanding payment ; however, I will not agree to repay the extension of credit in cash. This is a letter of challenge to the debt ( with interrogatories ) and a COURTESY of my invaluable time for which I will be issuing a fee schedule. I expect immediate credit to my account from MY endorsed bond. There will be no further illegal trustee " kickbacks '' in my CHASE account as I do not consent to raising the national debt ceiling. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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: Upgrade, Inc. (FL)

I'm requesting Upgrade inc send me my 1099c cancellation of debt form. 

It has come to my attention that this alleged that has been sold to another lending institution the IRS deems a charger off over {$600.00} as income the fcra says income shall not be reported on any consumer report. 

Because upgrade Inc has sold this alleged debt that their saying I owe they are now reporting inaccurate information on my credit report this is a violation of my consumer rights. 

These accounts must be removed Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with Portfolio Recovery Assoc A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX from XXXX XXXX XXXX for a total of {$430.00}. At approximately XXXX I called Portfolio Recovery Assoc explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXX I contacted the debt collector once again and they do not find me in the system once again.
Consumer complaint received 2021-09-30
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: DISCOVER BANK (OH)

Disputes were filed for XXXX on the following dates XX/XX/XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX and XX/XX/XXXX XXXX # XXXX. 
Automatic credit was given for XXXX and an investigation for the other charges with a provisional credit. XX/XX/XXXX I was issued a permanent credit for # XXXX later to be reversed on XX/XX/XXXX. On XX/XX/XXXX I received an email notification that dispute # XXXX was valid and the other dispute would be overturned due to new information. The information that I read from the report showed that my son had used my credit card to purchase virtual currency. I called x2 and spoke with different reps the first hung up on me. The second stated that if they continued with the dispute as an unauthorized charge they may have to press charges against my son for fraud. I read her the FCBA she said maybe I should try XXXX again, which was a lost cause in the first place. The rep who was very nice said I'm sorry there is nothing I can do. Even though I explained that no where on that gamer tag or XXXX profile did you find my name, they both insisted I was responsible. The only place you can find my name is in the billing information, and that is not filled out completely. The FTC has assisted with many complaints regarding unauthorized in app and game purchases please help. My credit card company is Discover Card Services, I have been a customer since XXXX. I have no missed payments, and I may have done one dispute in the three years before this. I have detached the information submitted to Discover by XXXX to prove that I made the charges.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I have had an account with chime for about 5 years, today I wake up to an email stating my account was closed and a check will be issued within 30 days, I said I would pay any fees to get my money to me sooner being that this is my only bank account and I need to pay rent and eat and afford transportation to and from work, I'm adopted and my mother passed away, I'm all alone with no one supporting me and they closed my account and I can not get in the account, I had over {$700.00} in the account at the time of closure and need that money or I'll be homeless!
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

This is a follow-up to a complaint made in the beginning of XXXX. The attached response from Venmo and XXXX was received and they verified that a check would be sent and received within XXXX to XXXX weeks. At this time which is past XXXX weeks There has been no check received received. This is a significant amount of money and time is of the essence in receiving it contacting their call center. Im not not able to get any verification of when a check was sent to what address or when I should receive it. I have also emailed their executive office without response.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I had a credit card debt with XXXX XXXX. The debt was removed from all my credit reports. Now a collection Agency is trying to collect the same debt. LVNV Collection Agency just appeared on my XXXX credit report. With the same debt, that was removed, ( XXXX XXXX ). The debt was removed from my report because it was over seven years old.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-30
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: JPMORGAN CHASE & CO. (VA)

My first post-covid flight was a terrible experience thanks to XXXX XXXX and made worse by Chase 's dispute team ( they openly mocked me ). 

We purchased two tickets for XX/XX/XXXX for {$440.00} each, but you had a preventable mechanical issue that caused us to have to fly out the next day. Since my flight was not honored on the XXXX, I demand a full refund for that half of the total. The single XXXX  representative they had at the airport gave up on trying to help people and handed cards out with the reservations number. She basically told us ( with her actions ), go deal with this yourself, we're not going to offer any kind of compensation. 

This was the first time I had seen my friend in over 2 years and you cut our time short! I had to take off leave and you basically made me take leave to not get a flight. I also incurred extra parking, gas and food fees due to this inconvenience. 

I spoke with a XXXX XXXX rep and supervisor around XXXX on XX/XX/XXXX and they are incapable of issuing compensation. 

I spoke with Chase on XX/XX/XXXX and a Chase 's dispute team employee ( a supervisor, XXXX from XXXX XXXX, TX ) mocked me while trying to file a dispute for a delayed flight. I want to report her and I want to get my flight refunded since it was delayed. I felt harassed by her. 

Sincerely, XXXX XXXX Reservation Code : XXXX
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XX/XX/XXXX, I called PHH Mortgages regarding a status update for a loan modification assistance application that had been submitted on XX/XX/XXXX, for XXXX XXXX, I made 2 follow up calls after sending this assistance packet, first call was on XX/XX/XXXX, and spoke to XXXX and was told it is a complete packet and no docs. Needed at this time. The second call made on XX/XX/XXXX, I spoke to XXXX, and was told no docs needed at this time and file is currently in underwriting for review and to check back once a week to make sure that if underwriters need any further documentation and to check the status of the application. Today XX/XX/XXXX, I called to get the status and was told to my surprise told an application for Mr. XXXX has never been received and that there is an active sale date for XX/XX/XXXX, and I was asked to provide proof of the fax transmission of the assistance packet.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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