davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.

Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund  from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX . I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me to here, I want to get my money back and scammer should not receive the money and keep  scamming people.
Consumer complaint received 2021-09-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp. (GA)

XXXX XXXX I requested Validation not verification pursuant to the fair debt collection practices act, 15 USC 1692g from World Omni Financial Corp dba South east Toyota finance after they attempted to collect a alleged debt sending me a postcard in the mail. I sent a Cease and Desist and invoked my specified remedy as a consumer and the original creditor. I demanded they complete the form sent along with copies of all requested information, assignments and transfer agreements. I told them there claim can not and WILL NOT be considered if any portion of the form was not completed and copies returned. This was notarized and sent certified mail. 
XXXX XXXX I received a response from World Omni Financial Corp stating they have processed my request to cease communications related to my account. They did not return any requested documents or completed forms. They claimed they are not required to do so. 
XXXX XXXX World Omni financial stole my property along with my personal belongings. They unlawfully repossessed my vehicle from my mothers home and disabled my property after processing my cease and desist letter. 
XXXX XXXX I spoke to supervisor XXXX XXXX for the return of my property and she stated they processed my cease and desist. 15 USC 1692c ( c ) ( 2 ) In my cease and desisted i invoked my specified remedy demanding the title of the vehicle lean free and deletion from all consumer reports. I asked Mrs. XXXX why are they breaking federal law by not honoring my cease and desist, she stated they are not breaking federal law. She said they reposed the vehicle and i dont have any rights to get my property back. 
This company and its employees have conspired against my rights as a consumer 18 USC 241 and violated FDCPA laws.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union (CA)

Someone used my information to open accounts at First Tech Federal Credit Union and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.
Consumer complaint received 2021-05-19
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. (NV)

Equifax is reporting fraudulent accounts on my credit reports. 

XXXX XXXX {$340.00} XXXX XXXX {$240.00} XXXX XXXX XXXX
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates ( XXXX ) have claimed they have a debt in my name for {$3500.00} from XXXX. I was in high school in the year XXXX and did not have any credit cards. When I called to speak to the company on XX/XX/XXXX, I was told that I needed to now call and talk to XXXX XXXX XXXX ( XXXX ). They refused to give me any more information. This feels like a scam to either get money from me or obtain my information.
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-18
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. (IA)

Ive disputed my XXXX  accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each account!
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (DE)

Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD. 

Hi, I have been a Barclay Card Account holder for last 10+ years.

I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history.

I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments.  The program ended in XXXX. 

I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this.

Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing  my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties. 
What Barclays did was 'Balance Chasing ' which was popular in the  XXXX time. I did not know this was still being done. 

In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease. 

I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD.

I would request CFPB to look into Barclays CLD practices. 
Please reach out to me in case any additional documentation is required. 

Thanks, XXXX XXXX
Consumer complaint received 2020-11-14
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: Expedite Financial, Inc (TX)

This XXXX  XXXX account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (DC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (GA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2023-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 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 purpose.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Yamaha Motor Finance Corporation USA (FL)

Dear XXXX XXXX XXXX Yamaha Motor Finance CFO , because of your agent ( s ) ignorance of the law, will result you in being fined under Federal Law. 

In CFPB Complaint ID XXXX CFPB Complaint ID XXXX Yamaha Motor Finance stated the account was not closed, and the balance remains due. 

However, as dated XX/XX/XXXX, I, XXXX XXXX, Consumer, am aware that Yamaha Motor Finance has closed my account without my lawful consent. 
Transferring another persons identifying information without lawful authority is in fact aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) which was willfully and knowingly committed by Yamaha Motor Finance and XXXX XXXX D/B/A Yamaha Motor Finance CFO shall be fined. 

Because of your agents ignorance of the law XXXX XXXX D/B/A Yamaha Motor Finance XXXX  , I XXXX XXXX XXXX, am holding you accountable and you will re-open my account and update status with Consumer Reporting Agencys expeditiously. 

Yamaha Motor Finance stated the account is XXXX  days past due with a balance of {$13000.00}. On XX/XX/XXXX, the account balance was charged off for not receiving payments however, the account was not closed, and the balance remains due. 

However, As dated XX/XX/XXXX, Yamaha Motor Finance is currently furnishing to my Consumer Report that my account is Closed and Charged off if my account is not closed as Yamaha agent mentioned earlier, this is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations because you are furnishing it as Closed.

Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) - Billing error resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

As Im aware Yamaha Motor Finance has violated The Truth In Lending Act pursuant

to 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon. The Finance Charge is a sum of all Charges payable directly or indirectly According to The Truth In Lending Act 15 U.S. Code 1605 ( a ). Therefore theyre shouldnt be any balance of {$13000.00} past due being furnished on my Consumer Re
port. Yamaha Motor Finance is in violation!! 
I will be putting your State Attorneys General on notice and CC this to the IRS as well.
Consumer complaint received 2021-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello Team, On XX/XX/2021 my credit card was charged by XXXX  XXXX PA for {$130.00} That time I was in the line with my wife and daughter, I could not make that transaction. 
Reported a fraud to Bank of America, and received denial. 
During fraud review process I have received a proof, that a merchant I bought something before was hacked and my credit card details were stolen. 
That company is XXXX ( transaction date XX/XX/2021 ), they are serviced by XXXX. 
Which in turn confirmed a breach from XX/XX/2021, till XX/XX/2021. 
XXXX wrote that they notified me, the merchant, law enforcement, and the bank. 

When I called the bank a third time they said the only thing they have is a receipt of a transaction from ticketleap. When I asked to check those reports from XXXX, they said there is nothing. I just XXXX  and found tons of evidence. 

I truly believe Bank of America is not doing any investigation, they are not even tried to find a root cause, and the only thing they do is to deny it. I have another case opened, which was denied as well, but I didn't have any proof. 

BoA answer and XXXX report are attached.
Consumer complaint received 2021-05-19
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)

I figured out that I have uploaded fake items in my credit report. I consider it as a spam or error because accounts are not mine. Could you please figure out who could do it with me and delete these items. I am so sad to have this ridiculous situation
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

I made a purchase from XXXX on XX/XX/2021 for XXXX USD. Chase had a promotion in which customers who made a purchase from XXXX during the timeframe in which the purchase was made would receive 10 % back on their card. This amount failed to post. 

I emailed Chase around XX/XX/2021 asking them to post the amount. They said they would investigate the matter. They never replied. On XX/XX/2021 I emailed them again asking for a reply. They said they would forward it to the proper department. The department replied that the purchase did not qualify, despite the transaction occurring during the promotion period. On XX/XX/2021 I emailed Chase again asking for an explanation of why the offer was not eligible and for the terms and conditions. Chase replied that " due to the time frame from when you offer was on your account the details are no longer available. ''
Consumer complaint received 2020-10-09
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. (AZ)

Experian has incorrectly closed my dispute ( the other two agencies reviewed the exact same dispute and removed the incorrect information from my report ). I have tried for days to reach Experian through the numbers they provide on their emails and website and their automated system will not connect you with a person and just disconnects you.

This is completely unacceptable considering how much control Experian has over consumers ' financial futures.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

AmeriSave, even with its commitment to be an Equal Housing Opportunity lender, requires applicants for mortgage to have a mobile phone number. It will not provide service to consumers who do not have a mobile phone number or have a mobile phone service that is not from one of the Vendors that AmeriSave has a relationship with.