davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (OR)

This is a complaint against XXXX XXXX, XXXX ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX, XXXX is representing XXXX XXXX ( Resurgent Capital Services, LP ) doing business at the following address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

XXXX, XXXX XXXX has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXXXXXX XXXX located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where XXXX XXXX, XXXX practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for XXXX XXXX, XXXX to follow garnishment proceedings with publicly traded companies such as XXXX since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( Resurgent Capital Services, LP ) simply going by the work of XXXX XXXX, XXXX at this time. 

While XXXX XXXX ( Resurgent Capital Services, LP ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for XXXX XXXX, XXXX have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or XXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ).

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/18 received letters in mail stating that bank account will be frozen and any property worth anything will be taken. This collection agency and court are demanding {$810.00} to be paid to court officer. At no place in letters state what exactly the original fee they claim I owe is for. XXXX is responsible for this along with XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase bank has closed my account and did not tell me they were closing it until i saw on my chase app that it was suspended when trying to log in. This is unfair and I am a customer that uses this bank to make all of my payments. There was fraud on my account that happened and some of the money was given back and some were not because my card was taken from me and I did not know that it was. I talked to the bank multiple times and they said there was nothing they could do on their end because I stated that my card wasnt in my possession but I do not use my card everyday to know when it is. This is completely ridiculous and unfair. Ive banked with chase for years now and this has never happened to me. I need to bank with them because my family uses this bank as well so its the most convenient for me. Completely ridiculous. I can not believe this.
Consumer complaint received 2023-03-23
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 (MN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Balance {$4500.00}
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$380.00}.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

I tried to send {$1000.00} USD using XXXX. The process expected that I be able to reply " YES '' to a text that I received. I was unable to do so, at the time, so I tried again, later, once I had access to my phone. When I did, I was locked out my account. It said I needed to call the bank to get the temporary hold removed. When I called the bank, I went through multiple identity verification steps, including text messages to my account phone and emails to my account email, along with personal information including digits of my SSN. After ALL of my identify verification was provided, I was told that I was suspected of suspicious activity and that my account would need to be " investigated '' before I had access to my funds. Upon calling back, I was told that an investigation may take 30 days. This was the first indication I was given - at all - that I was suspected of suspicious activity and after multiple requests I was told that I had no recourse at all. I simply had to wait for an investigation that may take an entire month. In the mean time, I have been immediately cut off from my bank account and all of my funds. And they were explicit with me that I had no other recourse but to wait for a call from an investigator. After calling back, I was able to escalate to a supervisor, but I was only able to leave a message with them and haven't received any indication from the bank that an investigation has begun, nor that a supervisor will be returning my call.
Consumer complaint received 2020-02-03
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: EQUIFAX, INC. (AR)

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX  XXXX {$2600.00} US DEPT OF ED/XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$930.00} XXXX  XXXX {$280.00}
Consumer complaint received 2020-02-03
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. (AR)

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (IL)

Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
Consumer complaint received 2018-08-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
Consumer complaint received 2018-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.
Consumer complaint received 2018-08-24
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. (GA)

Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Consumer complaint received 2018-08-24
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. (GA)

Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

On XX/XX/ I erroneously paid Prestige XXXX XXXX a payment of {$260.00}. OnXX/XX/XXXX I erroneously paid Prestige a payment of {$240.00}. I no longer use Prestige XXXX XXXX. I am with XXXX. I did auto payments from my checking and it erroneously went to Prestige XXXX XXXX. They have refunded me the {$240.00} but NOT the {$260.00}. I have called Prestige numerous times. I get a different story every time. I have faxed and emailed my banking statement to them to no avail.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I opened an account with Citi bank located on XXXX XXXX XXXX, XXXX, XXXX XXXX. My employer issued me a check {$550.00} on XX/XX/2022 and I deposited the check on XX/XX/2022. They froze my account stating that it was a fraudulent check. My corporate office reached out to them to clear any discrepancies, yet Citi bank closed my account and have declined to return my {$550.00} stating that the funds were deposited elsewhere. I have personally gone to the branch and spoke to the Branch manager XXXX XXXX, who is beyond unprofessional as is her staff as well pertaining to my funds being lost. Her staff declined to give me Citi banks corporate office number so that I could try to resolve this issue. It has been 1 month and I still do not have my {$550.00}.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (TX)

I and other family members were contacted via phone call by a collections company called Spire Recovery Solutions claiming that I owed a debt to XXXX XXXX for the amount of {$780.00}. They claimed that I had 48 hours to pay or dispute the charge by filing a police report ( this was on XX/XX/2023 ). I did not receive any correspondence about this charge via mail or email. When I asked them to send me concrete correspondence showing that I owed this, they claimed it would not arrive within 48 hours so it was meaningless to do so. I went to the police department ( on XX/XX/2023 ) to file a claim but needed the correspondence for the officer to create the report. The next day ( XX/XX/2023 ) I received a email from Spire Recovery Solutions with a delinquency notice stating that I owed the same amount to a different company named XXXX XXXX XXXX XXXX. I plan to gather all the information I have to file the police report although when speaking to the officer, he stated that it all sounded like a scam because there was no correspondence, a call of urgency to pay, and lack of informational accuracy. I have also checked my credit report and it does not show that I incurred any line of credit from any of these companies.
Consumer complaint received 2022-07-25
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 2018-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have two car loans with Credit Acceptance. One loan has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. I have always paid my car loans either on time or EARLY. I had just moved and started a new job so I am a total of 3 days late on my current payment. In two days, I have received over 11 calls from credit acceptance telling me to call them regarding my loan. I answered this morning and the man I spoke to was demanding a payment today when I told him I just started a new job and my payment wouldnt be until next Saturday he continued asking me my pay schedule. I expressed my upset with the man due to the amount of calls Ive been receiving as Im trying to work and my phone keeps going off at work and I keep getting in trouble. The man then THREATENED to send me to collections for a payment that is 3 DAYS LATE and stated that the next day after a payment is late it gets sent to collections! I am beyond livid and extremely upset with the fact that they can treat their customers this way! This will be reported to the XXXX as well as a horrible review left on XXXX! This is TERRIBLE customer service!
Consumer complaint received 2018-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a new vehicle. I was connected to their one of their sales reps, XXXX, who showed me around and was very kind. I was very clear with her and everyone I encountered that I had recently retired from the XXXX. 

After choosing the vehicle I liked, I negotiated with the manager, XXXX, who I also told about my military status. We agreed on the pricing and away I went to sign all the documents. I was sent to the finance rep, XXXX, to finish off the deal. I told him I recently retired from the XXXX and on my reqest for credit paperwork, it says what I currently do and my military status. 

I signed everything, financed some of the vehicle with Honda Financial ( their in-house lender ), and left to go have dinner. When I got home, I pulled out the paperwork to review it and make sure everything was good to go. Well, everything was not okay. I found a {$490.00} error XXXX made so I immediately called him to tell him. He denied the mistake and told me everything was right. It wasnt until I told him my wife and I both have MBAs that he started to really look at the numbers and then said oh yes, there is a mistake, but just come in and I can fix it. 

So i go in the next day at XXXX in the morning to meet the director of finance for our meeting and of course, he can not meet with me for whatever reason. I was taken care of by another finance rep who was nice and saw the error immediately. Resigned the paperwork and off I go. About a week or so later, Honda Financial sends me an e-mail with instructions to set up my account. 

As I looked around their website, I found a special deal for Active and Retired Military that provides a {$500.00} discount which NOBODY at the dealership mentioned. I called Honda Financial and they gave me the go around saying they can not apply this discount to the loan. I called Honda and they told me I had signed a contract and that there is nothing they can do. I called XXXX XXXX XXXX XXXX, where I purchased the vehicle and they said nothing could be done since they were already paid for the vehicle and they really dont care what happens afterwards. 

This is the reason I am filing this complaint- seems like they dont care about Military personne and are providing advertisements to lure people in but in the end, they dont deliver. I want this resolved.