davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
Consumer complaint received 2021-12-06
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. (PA)

This complaint goes with the first complaint that I filed against Chase on XX/XX/XXXX. Now, we have reached and are past the 90 days that Chase has to investigate this matter. I first reported this on XX/XX/XXXX. Today is XX/XX/XXXX. I've never received any conditional credits, have been charged late fees, and communication has been so very limited. I've tried reaching out several times and have wrote several secure messages. 

Chase is way past the 90 day period of investigation. 
" The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' Chase closed my account during the dispute. 
" The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. 
" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My account should be credited.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery Associates, despite their lacking a legitimate foundation for furnishing data on my credit reports, and a continued failure to state a verified foundation stating their rights to maintain this claim on my credit, continue to furnish this data to the credit bureaus. They have not shown a valid contract in any of my attempts to demand they provide this. They continue to ignore multiple attempts to get them to obtain this proof, and as such, have not proven that there were valid accounts or that any such alleged accounts included a right to assign or transfer since Portfolio itself has not provided me with any consideration or service. They have failed to show how their efforts to claim possession of the alleged accounts are anything but lack of privity. 
They have engaged in many violations of the FDCPA, documented in prior complaints yet they continue to furnish their derogatory data without remorse. They shouldnt even have access to my credit files since they havent even proven a right of assignment in showing any original contracts, listing such a right of assignment as part of the contract terms. 
They have violated FCRA 1681s in the sense that they have never notified me in the first place that they were furnishing this derogatory information and they have continued to violate that in that this information came off several of my credit files and was placed back on those files without formal notice to me by Portfolio, a willful transgression of the law. 
Boatley v Diem held that credit reporting IS debt collection. Portfolio has stated that they are ceasing debt collection efforts yet they continue to report this data on the alleged accounts in violation of this higher court holding. 

I am enclosing the results of my search of the UCC files in the two states I have lived in in recent years and both show that there is no debt claimed on me. No debt has been filed with the states involved. Every time Portfolio continues to furnish derogatory data about me they are engaging in wire fraud and every time they send a mailing stating that these alleged accounts are valid, they are engaging in mail fraud.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (WA)

This weekend I got a master card from Netspend, XXXX XXXX XXXX, XXXX, TX XXXX. I did not request this card nor do I want it. When I tried to call the phone number on the back of the card, the phone system would not let me talk with anyone unless I entered the card number. When I did this, the system started to activate the card. I hung up to try to stop the process. When I went to their web site, the only phone number given was the one on the back of the card. When I tried to use the a link to send customer service a complain email, the wed site blocked it. I did send an email using my email app to the customer service and the president of the company. This company provided NO option to contact a person to get the card I don't want cancelled and removed from my record. They should be investigated for unfair or illegal practices.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with Credit Acceptance Corporation. I have never applied for an auto loan with Credit Acceptance Corporation. The auto loan account with Credit Acceptance Corporation is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from Credit Acceptance Corporation call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX for a fraudulent account and debt of {$7000.00}, I dont owe. Credit Acceptance Corporation is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Upon Checking XXXX  I found that Santander reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company santander forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
Consumer complaint received 2022-06-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX & XXXX, XXXX account # 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 an account without my written instructions
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all XXXX Credit Bureau XXXX XXXX They Did nothing as well. 

I hope this get this problem solved thank you
Consumer complaint received 2022-06-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I bought out my lease on XX/XX/2022. Paid XXXX with a check. 
I called XXXX on XX/XX/XXXX to make sure they were sending me my title and gave them my new address. 
I was informed that it was shipped on XX/XX/XXXX. I waited two weeks and received nothing. 
After calling them I was informed they mailed it to the wrong address and theres nothing they can do to help me. 
I called them every other day since then Trying to get someone to help me but all they do is hang up and be extremely disrespectful.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following credit inquiries listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX, XX/XX/2018, XXXX XXXX   XXXX, XX/XX/2018, and XXXX XXXX XX/XX/2018.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Since XX/XX/XXXX XXXX XXXX has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient loan They have been messing with me since day 1 I am a US XXXX veteran. 
I know they have lawsuits filed against them I am searching for any kind of help i can find. 
My payments ive paid monthly have gone to nothing. 
The loan is still at the same amount as when i started in XXXX So for at least 6 years ive been paying a VERY SMALL loan and somehow my payments havent even touched it They did force me to forbearance a while back. 
And i also heard that they have miss charged US veterans on purpose which is part of the lawsuits, on charging higher interest. I have no help to combat all of this. And am seeking guidance and help with this situation that for years had been effecting my credit and my life that now i have found out the company is just mistreating a lot of customers. 
Any assistance would be helpful. If this isnt the right place. Whom i should call for help
Consumer complaint received 2018-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

Approximately 8-12 months ago, PNC bank changed it's online banking system. 

My first statement after that double billed me for the monthly payment. I called and they said to ignore it as the system was buggy. 

The next month, I noticed that the " explanation of amount due '' section had incorrect amounts listed, but they totaled to the correct monthly payment amount. The principal and interest amounts seemed to be reversed, except they were still each off by a few XXXX dollars. I called to ask about it and they said they were working on it. I called again a few months later and they said they were still working on it. I called again a 3rd time and 4th and 5th in the following months and they can't fix it. The amounts don't add up. I requested an amortization table on the loan, but they said this is not something that they have. The payment breakdown changes every month depending on the number of days in the month. They did update my online banking statement to show payment history now ; but for record keeping purposes, future bank loan applications, and so that I can check on the progress of my loan payments ; I would like the monthly statements corrected. I have previously also requested that my past statements be resent with the correct breakdown amounts and correct remaining outstanding principal shown ; but they can not do that either. I have nearly a year of loan/mortgage statements that make no sense. I'd just like accurate records. This type of long term mistake on basic paperwork and the inability to correct it is concerning.
Consumer complaint received 2022-06-11
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)

In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and their is fraudulent and unauthorized charges/transactions listed on my account.
Consumer complaint received 2022-06-11
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. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 2019-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. 

Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

Experian has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AR)

First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX   XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  XXXX. XX/XX/XXXX). 
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. 
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).
Consumer complaint received 2018-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy Account # 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