davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Hillcrest Davidson & Associates (GA)

to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. 
account name, HILLCREST DAVIDSON & XXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation.

thanks
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ERC (TX)

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 an 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 2022-09-23
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. (CA)

In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDUCATION 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 USC 1681 Section 602A 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 account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA Bank linked my checking, savings and VISA card accounts with another person I do not know and definitely did not authorize to have access to my accounts. I was also given access to the other person 's accounts. 
I called USAA Bank on XX/XX/2022 and notified them about the issue ( over 2 weeks ago ). They told me that the other person had wanted to link their accounts up with someone else, but they provided an incorrect number so *my* whole banking profile got linked to theirs instead of who they intended to be linked. Obviously USAA Bank didn't bother to review/verify if the name was correct before doing the linkage as the other person certainly would not have known my name, nor was I contacted at any point to advise that someone was trying to link their accounts with mine. 
USAA Bank then blocked me from making online bill payments from my account but did not remove the other person from being linked to my accounts. When I tried to follow up with USAA Bank on XX/XX/XXXX seeing that no correction had been made, the hold time was XXXX minutes for a representative, so I tried to send an email, but the website told me that I was not allowed to send an email about my issue. I therefore mailed a letter to them on XX/XX/XXXX describing the issue and still have had no response whatsoever to my initial call on XX/XX/XXXX nor the letter mailed XX/XX/XXXX, and as of today XX/XX/XXXX my account is still linked up with the other person who is a complete stranger and who can presumably view my account activity seeing as their checking account, banking activity and debit card are completely visible to me. 
This is an egregious breach of security and confidentiality, and USAA Bank has shown no response over XXXX weeks after I reported it. I removed almost all of my funds from my checking and savings accounts and blocked my credit card to protect myself, but this situation is completely unacceptable and non-compliant with banking regulations as far as I understand. 
I plan to close my accounts altogether as soon as I can get new accounts opened and active/usable at another bank. Obviously I do not trust USAA Bank 's processes and security any more, and their complete lack of response to this serious issue is frightening and disturbing. I believe they should be subject to regulatory discipline as their activity certainly does not demonstrate adequate security measures or reasonable concern about the safety of customers ' bank accounts and access by others thereto.
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-12-09
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: LEXISNEXIS (TX)

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 : XXXXXXXX XXXX XXXX  | XXXX ; XXXX | XXXX | XXXX ; XXXX | XXXX | XXXX. 

According to : 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 2022-11-16
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. (PA)

JP Morgan Chase Bank closed my business account without informing my company when reached out to them reference to this issue was very hostile and will not give a reason for closing the account, and holds my $ XXXX plus, claiming I will receive it in XXXX business days, which causes me late payments on all my bills, example mortgages, car loans, salary for employee 's this becomes very frustrating for my business hope this organization will be dealt with accordingly, I have done absolutely nothing wrong.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (CA)

GM Financial is repeatedly violating the FDCPA. GM Financial has reported debt on my accounts XXXX 's without ever contacting me first to notify me of the debts. Additionally, my debts were due to their system failures and deficiets in their customer service and billing departments, which makes their FDCPA violation more eggregious. 

Per the Consumer Financial Protection Bureau ( CFPBs ) debt collection rules as of XX/XX/2021, debt collectors must take certain steps before reporting a debt to a credit reporting company. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company. 

Unfortunately, we received no notification of any kind that an alleged delinquency had occurred with accounts
Consumer complaint received 2023-08-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I had started to open an account with this service, to purchase an item online. After realizing there was a direct way to pay, I called Customer Service to try to close my account, as it was unnecessary now. The representative then told me to finish making the account ( providing ID etc. ), then it would be closed. I did so, then immediately after, my account was " permanently limited. '' Now, I can not use the service, or any other online vendor that is powered by it's system, as my information is recognized ( even if the vendor isn't directly using said system itself ). I never used the account, am not a minor, and did not break any rules.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.

On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.

I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.

I will take action against you for these violations and abuse. 

Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. 

Which you failed to do AND you posted on my credit report.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

On XXXX XXXX XXXX XXXX XXXX made an uninformed decision when I made this consumer credit transaction with XXXX XXXX XXXX. I was brought in to co-sign for XXXX XXXX. Also my signature was forged digitally by XXXX XXXX XXXX. XXXX XXXX has filed multiple complaints on both our behalf.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (VA)

On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.
Consumer complaint received 2022-11-17
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. (FL)

Experian, XXXX XXXX, XXXX disputes were submitted regarding an account with XXXX Bank back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in 2019 I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recoveries listed XXXX collection accounts on my credit report. I contacted them and we settled the accounts and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The accounts are paid in full, but 2 days after it was paid the account updated with a balance. They were not deleted, and the balances due was updated to {$240.00} & {$96.00}. Then on XXXX, the balance has been updated to {$0.00} settled for less. This is NOT what was discussed or promised when paying the accounts. They need to stand by their word and delete the accounts not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I signed a Retail Installment Sale Contract on XXXX, as well as a GAP contract. The contract that I signed was to finance a XXXX  XXXX XXXX for a finance amount of {$26000.00}, with an interest rate of 15.95 %. The GAP contract was for {$660.00}. The car dealership contacted me weeks later stating that they needed me to pick up additional paperwork, which appeared to be the same paperwork. I was on a lunch break at the time and did not have the original papers on hand, and was also going through an unexpected death of a toddler in the family. When I got home I did not look at the original paperwork as it all looked to be the same. Now looking back at the paperwork the second set of paperwork has the same deal # on the sales contract, but the financed amount shows {$25000.00} with an interest rate of 18.95 %. The GAP contract has a different debt cancellation agreement #, and the second contract has a price of {$700.00}. I have been paying on this loan for over XXXX, and the company that financed the vehicle is stating that only {$950.00} has been applied to the principal balance, and all of the other money that I have paid has been applied to interest. I did have some hardship deferments due to XXXX, being out of work without pay, over the XXXX. However, the dealership also agreed that even with a much higher interest rate and many more deferments it is not legally possible that my current 10-day pay off amount for this loan can be less than {$100.00} of the original finance amount for the same loan. This loan has never been refinanced, and there is nothing in the original contract that would reflect that I would have paid on this loan for XXXX with this being the final result. There is something about this loan that has to be illegal, as it is designed to keep the consumer trapped into paying an excessive amount for a vehicle that is triple the amount than what the vehicle was worth at the time of financing, and the employees of the finance company have even stated to me that this is the worse kind of vehicle loan that anyone can have. I would be surprised if there was not some type of lawsuit against this company for this same type of issue. I have been under a great deal of stress due to being trapped in this contract. I have paid over $ XXXX in payments on this loan and the finance company is still stating that I owe {$25000.00} for a 10-day pay off on this same loan.
Consumer complaint received 2022-11-16
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. (IL)

As a consumer and the original creditor, I am exercising my specified remedy. EXPERIAN, XXXX, XXXX has violated the law. This position was filled by EXPERIAN, XXXX, XXXX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. EXPERIAN, XXXX, XXXX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
EXPERIAN, XXXX, XXXX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. EXPERIAN, XXXX, XXXX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. EXPERIAN, XXXX, XXXX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If EXPERIAN, XXXX, XXXX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom EXPERIAN, XXXX, XXXX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone EXPERIAN, XXXX, XXXX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.