davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly. This is the SECOND ATTEMPT to get Portfolio Recovery Associates to follow procedures. ***Reminder : sending copies of a statement with a name on it does NOT constitute ownership. *** CFPB recently fined this company AGAIN for illicit collection practices, so it is evident my complaint is well-founded and based on established facts.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has information in many errors as a collection not owed. 
wrong phone numbers address by Equifax XXXX XXXX XXXX XXXX XXXX XXXX. 

when applying for something wrong info showed in error by Equifax. 

Equifax has yet to mail me a full credit report showing all the pages its been nothing but the run around. 

I have also file with the US Attorney to the matter.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-19
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX Toyota financial service XXXX XXXX XXXX, XXXX, Az XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with Toyota financial service, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with Toyota financial service with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : 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 2023-03-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IL)

Hello. I am a XXXX XXXX XXXXXXXX and my concern relates to Dodd Frank compliance. I recently have begun working as a XXXXXXXX XXXX for a company that is paying fees that are less than half of what is typical for the service areas around XXXX. I have discovered that several of my past lender clients are now ordering appraisals through this company, and are paying the same fees as those I would normally collect. I am a new hire with this company and I don't know how long I can accept this, as it seems wrong. 

I wanted to know if this is in violation of law, and if there is any means of recourse. Thanks.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (IL)

I signed a lease to purchase agreement for standard tires for a common US sedan. 
I never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. 
I also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. 
I can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I plan to also send the below to Capital One, but I imagine I won't receive much attention as a single complainant. 

Re : Misleading savings account names and interest rates To whom it may concern : I am a longstanding client that began a savings account in 2006 with ING Direct. I have had my more substantial savings account with you since that time, using XXXX XXXX for my checking and smaller savings accounts. A large part of why I chose XXXX, and then stayed with you, was for the interest rates. When I just went to open a savings account with you for my kids, I noticed the extreme discrepancy in interest rates between my XXXX savings account that was " grandfathered '' ( .3 % ) and the XXXX performance savings accounts ( 4.15 % ). I am extremely disappointed. 

On multiple occasions, my financial planner has asked me if I wanted to move money from Capital One into a XXXX. I always declined as I was unaware of the differences in your accounts and that my account had been changed to a very low interest rate. I never received an email, call, or flyer in the mail explaining that my old floating rate account had now been locked into this very low interest rate and that there was a new account with much better terms. Further, the extremely similar names of your savings accounts are confusing and misleading. When I XXXX XXXX savings interest rate, the performance account rate comes up at 4.15 %, not my .3 %. I feel like I have been penalized for being a long-term client and have possibly lost thousands in interest due to this change. Two years ago, I had a balance of $ XXXX in my account with you. I had no idea that my interest rate had changed. I just opened a new performance account with you today so that I could start to receive an improved rate. Please see below for the language re : the transfer. This is very misleading for a typical customer. 

From : XXXX Savings, XXXX  To : XXXX Performance Savings, XXXX The names should be more differentiated from one another and existing clients should have been notified of the opportunity to change into a better-performing savings account or should have automatically been rolled into an account with better features. 

I certainly plan to pursue this further but am open to discussion/resolution if someone reaches out. I have spoken to a manager on the phone that agreed with my points but was unable to help me further.
Consumer complaint received 2023-03-22
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. 
Account name : # XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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 1681 c. ( 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. 1681 s-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 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (TN)

this is a never ending issue that has been ongoing for months with this financial institution. Opened up two different personal credit lines with.Upgrade. I have one credit line that has a limit of {$11000.00}. I also have another personal credit loan with a limit of {$20000.00} Ever since the first quarter. of 2023, The company has not been reporting the correct balances to the credit bureaus. I have attached copies of a current credit report showing incorrect balances. These balances have been showing that I have been over my credit limit amount and over the utilization amount of both of these accounts and this incorrect reporting has been reporting like this since the first quarter of 2023. With these accounts showing the utilization over the crate line amount, it has drastically caused a big substantial decrease in my credit scoring. I have never been late or over the credit limit or the personal credit line amount on either two of the accounts. I have attempted to send a request to the XXXX XXXX XXXX  advising of this on this company and I was contacted by someone by the name of XXXX that is in a resolution with Upgrade. I have been in touch with her multiple times as she states that she is working on the situation. I have also attempted to contact the credit bureaus and let them know of the incorrect information. However, the incorrect information is still reporting on my file.. XXXX has advised me that she has attempted to escalate this to someone else, but this process is taking way too long and it is going months and months without being corrected. The lender of Upgrade is XXXX XXXX XXXX. From doing research I have found that they have been in a civil lawsuit this year regarding incorrect fair lending, but it is definitely having an impact on my credit scoring and this also then turns around and has an impact with my other creditors, showing this high utilization and over the utilization, credit line amount to drastically, decrease my scoring models, which intern impacts my lending with other creditors. These incorrect reporting on these accounts has caused current creditors to change my interest rate as well as not providing me additional credit favorable interest rates due to this error not getting corrected and updated on my credit report. XXXX, in the office that is answering these complaints and that this report will also possibly go to as well has been telling me that she is getting the issue resolved and looked at, but it has been going on now for months with no resolution I only want what is fair and they are not reporting these accounts correctly and it is having a very serious impact on me. One account is showing that I am almost {$2000.00} over the limit another account almost shows the same thing that I am over the limit and it is causing drastic effects on my credit scoring.
Consumer complaint received 2023-11-12
Product: Credit reporting 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. (OH)

Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with CXXXX XXXX, TD Bank XXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 TD Bank XXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

An adversary can sign up to experian with my SSN and birthdate and de-facto take over my account on the website, since their new registration will supersede my old one. Security researchers like XXXX on security have discussed this for years and Experian has done nothing to address it.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

So, reading the article just now is telling me nelnet is not under the Department of Education? For years, I have been doing income driven repayment plans. I applied to the Department of Education website .This whole time, I believed they were the department of education. In fact, I reapplied on XX/XX/XXXX, and it has been pending since. They wont answer the phone or emails. Now they are reporting to the credit bureau Im over 90 days late and running around trying to figure out how that is when repayment started on XX/XX/XXXX. Never once until now have I been late, nor has anything been reported. It even says loans that strat with e which mne does repayment starts XX/XX/XXXX. I would never have taken out a loan from a bank or whoever ever nelnet is, and my loan didn't even begin with nelnet it was 25 years ago and was a different name. I always believed the reason it couldn't be added to a bankruptcy is because it was the department of education. BTW it says I owe for 1 month almost XXXX. I don't even make that much a month.
Consumer complaint received 2023-11-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (IL)

We contacted Chase Bank XXXX, whereas the Chase bank Representative advised us that they added the Assignment of Mortgage in Error, we even went XXXX way on phone call with Select Portfolio Servicing and Chase Bank, advising them that Chase Bank made in error and that Select Portfolio Servicing need to issue a Correction to get the Assignment of Mortgage ( removed ), they still refuse to make correction and then XXXX used the Fraudulent document to peruse a Foreclosure and get a Sale Date. We brought in the documents to Chase Bank twice ( XXXX and XXXX ) so they could give to their research department, they acknowledge they received XXXX, and advise they would have resolution by XXXX, Chase then sent us a Letter telling us they are not the Noteholder or Investor and it is XXXX who is our Noteholder, and that because they sold the Servicing rights to Select Portfolio Servicing, they were unable to issue Correction of Assignment of Mortgage, now the Servicing company XXXX refuse to issue XXXXrrection of Assignment of Mortgage, we then asked Chase several times for Documents showing when and where they sent our document to XXXX, still no response from Chase now there Executive Office refuse to take our calls, we then sent emails asking Chase Bank to give us a document showing that they added the Assignment of Mortgage in Error, still no response.
Consumer complaint received 2023-07-17
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: LEXISNEXIS (PA)

My Lexis Nexis report indicates that XXXX XXXX ran a inquiry on my report, on XX/XX/2022. At this time, my Lexis Nexis file was frozen. 


XXXX XXXX didn't have my permission to request a report
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was XXXX time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.
Consumer complaint received 2023-07-22
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: BARCLAYS BANK DELAWARE (FL)

A fraudulent charge on my credit card in the amount of {$5200.00} that occurred back on XX/XX/2023. 

The credit card is a JetBlue Plus World Elite Mastercard and the Bank is Barclays Bank. 

I have had nine ( 9 ) different communications with Barclays since filing an initial complaint back in XXXX. 

Their initial position was that the charge wasn't fraud, it was a dispute. The fraudulent company represented themselves as " XXXX XXXX XXXX '' and the credit card showed a phone # of XXXX XXXX XXXX. If Barclays Bank merely called the phone # on their statement, they would have confirmed that the charge was from a travel agent in Texas. XXXX XXXX has confirmed to us that the charge wasn't XXXX and the charge was fraud. 

Despite our efforts to resolve this matter, Barclays has advised in writing and phone conversations on seven different occasions between XXXX that the claim was still under investigation. 

The Barclays Fraud case # is XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Upgrade, Inc. (CA)

I reached out to a company called UPGRADE to change my auto debit from one bank to another. I was told to take a picture of myself with a note on it stating the following. Loan/account number of credit card account. With the credit limit hand written, current interest rate and type of product I have with the company. I was also told to take a picture of the front and back of my driver license so they could verify that it was me asking for the change. They did not offer to request information via any secure channel. I wrote in an email back to them. This is unusable and I am concerned that my ID information is now out there for anyone to intercept and steel. This appears to be a consumer privacy issue. I have the email and the pictures I sent to them to make the change. I, also requested my account to be closed and I would continue to make payments until the balance was paid in full. This risky behavior has made me decide not to do business with them any longer.