davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

) I previosly inquired about similar circumstances in XXXX*-please do not classify this as duplicate complaint- Because I was homeless and disputed PRA again-yet they say I haven't " provided them with docs. '' *XXXX Long story short, please see the written communications attached showing that PRA is still violating your very own rules and legislature 's laws regarding deception/misleading/misrepresentations ; XXXX IS NOT PARTICIPATING IN COLLECTION EFFORTS WITH PRA-YET PRA SENT ME A LETTER WHICH BY IMPLICATION WOULD DETER ME AND ANY OTHER FROM EVEN CHALLENGING PRA 'S LEGAL OWNERSHIP OF THIS ALLEGED DEBT. This is because they have nothing authentic as evidence. 

I am XXXX yrs old and am experiencing much stress as a result of dealing with an alleged debt, which Portfolio Recovery Associates has attempted to coerce me to pay-yet they refuse to show me authentic documents despite my disputes. 
The FDCPA laws say ; 15 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Specifically ; e ( 2 ) - The false representation of ( A ) the character, amount, or legal status of any debt ; e ( 6 ) - The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; e ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ...

e ( 10 ) - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

MORE APPROPRIATELY ; e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Please see dated attached docs and help me to resolve this trickery before I resort to a the courts. Thank You
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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  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 2018-07-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management (AL)

I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.
Consumer complaint received 2022-12-03
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. (SC)

Recently, I did a investigation on my credit report which cause severe XXXX upon me unverifiable, invalidated, inaccuarate and questionable items that your agency didnt make sure it was reporting 100 %. In accordance with the FCRA everything has to be 100 % accurate on my credit report. 15 U.S.C. e ( b ) and 15 U.S.C ( 5 ) states that these accounts are in violation of not being 100 % accurate.
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  ACCT # 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.

15 U.S.C 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 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

nissan has settled a class action suit for its known transmission failures related to models with the XXXX transmission. settled this year on record with the federal government. 

Last year in XXXX XXXX the transmission on my XXXX XXXX failed and the repai came to XXXX dollars us, that i had to privately borrow to maintain commuting to a job. 

I informed nissan XXXX of the situation on various emails after and up to XX/XX/XXXX. 
I informed them that any payments to pay the loan, was sublected to payment to repair the transmission so i could keep working to pay the loan. 

they ignored phone calls made 5 times between XX/XX/XXXX and XX/XX/XXXX during collection activities. 

Each time i was told that i needed to pay up or credit would be knocked down and repossesion could occur. 

I went past due and struggled to catch up but nissan refused to help and lower payments or reset loan. they showed me 30,60, days late which knocked my credit score down.

They refuse to accept that the transmission cost whick with my XXXX fall under the agreement by the US and nissan XXXX to either credit the loan for repairs and remove the past dues, or the refinance the loan. 
nissan XXXX  of texas usa.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA Violation personal information not mine XXXXXXXX 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 FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX XXXX Bankruptcy
Consumer complaint received 2024-03-07
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers XXXX XXXX Employers : XXXX
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am a natural living person and no credit repair organization is representing me. 

On XXXX, XX/XX/2022 a complaint was submitted to Experian due to incorrect information on my consumer report ( ID XXXX ). Experian stated in writing that they verified the information, but they failed to provide me with strong evidence of their investigation. 

Since your company provided no information or evidence of substance ( such as an original consumer contract with my signature ) it leads me to believe that a proper investigation was not conducted ; therefore, Im questioning the accuracy and integrity of your response according to CFR 1022.41 ( d ) ( 2 ) ( 3 ) ( i ).

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account listed. Your failure to effectively verify this account has hurt my ability to obtain credit and general reputation. Under the FCRA, unverified accounts must be removed and if you can not provide me a copy of the verifiable proof, you must remove the account listed in this complaint. 

I am also requesting a complete annual file disclosure as required under section 612 ( a ) of the FCRA, 15 U.S.C. 1681j ( a ), via mail. 

Notarized letters and a copy of my identity have been included and sent via certified mail to the address provided in the complaint id listed above.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I lost my XXXX  a month after I got my XXXX XXXX. I was making XXXX an hour. For the past 2 yrs. I have struggled to make my XXXX car payment every month. I have tried to refinance but my income didn't meet the income guidelines. I have had to have 3 defer payments with this vehicle. I'm jus getting further in debit with it. I am currently employed but with XXXX  and my hours and pay have been cut drastically. My auto loan is with capital one auto loan for the amount of XXXX a month. If u can help resolve this in anyway please feel free to contact me back.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (AZ)

During a refinance closing on XX/XX/2021 we submitted a check in the amount of {$1800.00} to be directly deposited into our new escrow account to avoid rolling escrow funds back into the loan. The first statement we received did not reflect the submitted funds in the escrow account or anywhere else in the statement. 
We reached out to the customer service department who said they wouldn't be able to view the closing documents for six weeks and therefore could not assist us. 
Since that answer was not acceptable nor credible, I reached out to the loan originator to get help. He directed me to a " XXXX XXXX. '' to resolve the issue. I contacted " XXXX '' by email and then by phone since he did not respond to the email. I described our issue to which he told me he would look into it. 
After a week of silence I wrote an email describing the issue again, attached pertinent documents and sent it to the customer service e- address on XX/XX/2021 which eventually elicited a response from a XXXX XXXX who appeared to put things in motion. 
As of the writing of this complaint, this has still not been resolved, Our homeowner 's policy is now past due because of the company 's inaction, we still see no mention of the {$1800.00} on the most recent statement and all they've done so far is tell us that an ex-employee made a mistake but they've done nothing to explain where our funds are and how they're going to remedy the issue.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed
Consumer complaint received 2019-08-01
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. (HI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX  XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (AZ)

XX/XX/XXXX some person open an account with XXXX XXXX/ No the creditor is Southwest XXXX XXXX  for {$60.00} in my name on on XX/XX/XXXX untill current someone opened a XXXX XXXX XXXX in my name In the amount of {$2100.00} You sent the police report to XXXX XXXX yet I still have this on my credit report. I do not do either of these these are not my debts and they are greatly affecting my credit I have filed the police report filed disputes and still nothing has happened they are still on my credit report
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

On XX/XX/2022, I purchased a wig from XXXX XXXX for {$1400.00} using my PNC debit card ( cash ). I realized the wig was of very low quality and returned the wig to XXXX XXXX on XX/XX/2022. The owner refused to provide me with a refund. I left the wig with the owner and told her I would submit a dispute with PNC bank. I submit several requests to PNC and they have refused to credit my cash back to me stating the 90 time period has expired. I've spoken to several PNC reps and was never informed of a 90 day timeframe. As a matter of fact the last dispute form I received was mailed to me in XXXX and I faxed and emailed it back to PNC. I've been told several times by the many reps I spoke with that it would be taken care of. As of today, there has been no resolution.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mandarich Law Group, LLP (CA)

I received an earnings withholding order from Mandarich Law Group regarding a debt that I apparently owed from a company XXXX XXXX XXXX from my employer XX/XX/2025. I contacted Mandarich, the same day to inquire about this issue and to try and stop the garnishment. I was advised that XXXX was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from XXXX nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now Mandarich will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (IL)

On XX/XX/12 I went to associated bank to deposit {$620.00} on my XXXX card and the atm ate my money and gave me a receipt that said transaction can not be processed. I have been In talks with both banks and the {$620.00} was recovered but in order to get it back my bank has to file a dispute. XXXX said they can not file a dispute because theres no record of the amount being deposited. XXXX and Associated Bank spoke with each other and chime told the Associated Bank Manager that they cant file a dispute. Now associated bank refuses to give me my money without a dispute even though XXXX ( bank manager ) said she will handle it with her atm department. I even have video evidence of the atm eating the money!
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (NJ)

I have submitted a dispute with Experian prior to this dispute. I'm giving them another chance to resolve this matter before I file a dispute seeking damages in Federal Court.
Consumer complaint received 2024-03-07
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (MN)

My car was totaled on XX/XX/2020 by XXXX XXXX in XXXX. My lien holders are JD Byrider in XXXX XXXX, IA. I want to make it clear this is the worst decision I made in my life dealing with these people. Since my car has been totaled, NOBODY is letting me know whats going on, Byrider is refusing to let me speak to their insurance. This is a mess because I have NO CAR, and when I called to ask what is going on after finding out some questionable information from XXXX, its like they couldnt tell me. Ive had so many issues with Byrider, I honestly feel theyve discriminated against me on multiple occasions. Their representative either XXXX or XXXX belittled be saying youve owed XXXX money since XXXX which was very rude. I am the consumer and should no way shape or form be treated the way I have in the 2 years of dealing with these people. Something needs to be done, I am done dismissing my cases with them because I feel like I am not being heard.