davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avid Acceptance, LLC (GA)

incorrect information was shared on my report without my knowledge. I have been wronged on multiple fronts. They have a responsibility to perform in accordance with FCRA 15 usc1681 section 602.REFERENCING account with credit acceptance opened around XXXX account ending with XXXX on a XXXX XXXX. I am the consumer and have the right to privacy in accordance with the 15 usc 6801. I also point to15USC 1681 section 604 section 2 states subject to subsection ( c ) paraphrasing but in accordance with the written instructions of consumer whom it relates. It is my wish to see all that are negatively affecting my credit removed. If I unknowingly gave permission it now considered revoked. 15 USC 6802 ( b ) ( c ). Never was I Informed of my right to exercise nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states except authorized under subsection ( b ) ..time restraint. This account along with others reporting is without my consent and against 15 USC1681 s-2 ( a ) ( 1 ) as well as 15 USC 1681e `` reasonable procedures '' XXXX and XXXX are not maintaining reasonable procedures 1681b which is why I am opting out .12 CFR 1016.7- as well account with XXXX XXXX  XXXX  opened around XX/XX/XXXX XXXX / XXXX XXXX account # XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

hello, this is not a complaint at all. 

i have account numbers XXXX and account number XXXX. 

I spoke to XXXX on XX/XX/year> at XXXX XXXX about the above collections account. XXXX has Id XXXX XXXXXXXX and was so amazing and full of great information out this collection. Best experience i have ever had with a collection account. 

Furthermore, my two accounts were eligible, according to XXXX, for removal on each bureau if paid before XX/XX/year> and XX/XX/year> respectively. 

The purpose of this letter is to let you know that accounts are paid in full as of XX/XX/year> at XXXXXXXX XXXX 

I did send copy of paid receipts to XXXX or the consumer support email. 

Thanks again. 
XXXX XXXX
Consumer complaint received 2024-09-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/year> XXXX XXXX Portfolio RC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ). 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Inquiries are not a matter of record when I never gave these companies access to My credit file!! 
According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.
Consumer complaint received 2024-09-16
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: General Motors Financial Company, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX opened with XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XX/XX/XXXX. On XX/XX/XXXX I applied to XXXX for a license to unblock my funds. On XX/XX/XXXX I have received license XXXX authorizing JP Morgan Chase Bank to process the transfer in accordance whith the original payment instructions. On XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX Bank informing them on the fact of issuance of the above mentioned license and asking to process the transfer in accordance whith the original payment instructions. Still, JP Morgan Chase Bank has not responded. Thus, We can not processed forward to the beneficiary bank XXXX XXXX XXXX, per the original wire instructions even having the license authorizing it.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The reason for this complaint is for an unauthorized inquiry on my credit report I reviewed on XXXX I retrieved a copy of my credit report from XXXX report number XXXX and I discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with Portfolio Recovery Associates, they have no authorization to pull my credit report. 

Please launch an investigation into Portfolio Recovery Associates inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

This In violation of the FCRA 1. 15 U.S.C 1681b FCRA limits access to consumers credit report to specific, permissible purposes and, 2. 15 U.S.C 1681n entities consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I was unaware of this debt. I did not have a opportunity to deputy this information. If in fact you believe you give me proper notification. Then please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement. Between you and I with my signature on it
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Account on all 3 credit agency. I ask for portfolio recovery, XXXX XXXX XXXX XXXX XXXX  XXXX to provide all information that I didnt get the purchase agreement, notification to me about the credit. Creditor giving reporting agencies inaccurate information, reporting debt as charged off, late payments, inaccurate statements, balance due, privacy violations, withholding notices, mixed file, the company pull my credit to see if I had collections before they file a lawsuit.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Paypal Holdings, Inc (TX)

My PayPal account has been " We're permanently limiting your account. '' On Wednesday, XX/XX/XXXX, I woke up with an email from PayPal saying that a new email had been added to my account : XXXX. 

Of course, I didn't recognize this email address, and I didn't make any changes to my account. When I got into my account, there was a new phone number that I again didn't recognize. I changed the email address and phone number back to my email address and phone number and changed my password. I figured I got hacked. 

Then I get an email from Paypal saying my PayPal account has been deactivated. 
I sent an email to PayPal 's phishing address, but I never received a response. So, what's going on? 

PayPal Customer Support : This isn't my problem, though. It's PayPal 's problem that you allowed my account to be hacked due to PayPal 's lack of proper security measures. Moreover, I can no longer get access to my PayPal XXXX or my PayPal XXXX XXXX balances or monthly statements. You do realize this, right? I did not violate any terms or conditions of the User Agreement, but PayPal appears to have. Your response is totally unacceptable. 

PayPal continues to send the same boilerplate/canned response, informing me to refer to their XXXX User Agreement. Without specifying what part of the User Agreement I allegedly violated, it's impossible to determine such an alleged violation. 

Finally, PayPal violates the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC (NC)

Best Egg - due to faulty financial accounting and arithmetic- is errantly saying I have only {$1.00} in credit limit - when in fact the accounting shows I should have over {$250.00} in credit limit. Best Egg needs to send its employees back to remedial arithmetic classes to help them properly calculate my credit limit.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, I completed an online application for a Capital One 360 Performance Savings account.

I completed all the prompts, including significant amounts of PII ( social, address, date of birth etc ). I went through each step, and the final screen said that I needed to call a phone number for more information. I also received an email regarding the phone number being added to my account, as well as a text message related to the account. 

I immediately called to complete the application. I spoke to an associate who could NOT locate the application with any of the information I provided. The associate provided two possible scenarios : 1. There was a glitch or 2. The application was denied. At this point, this is an unacceptable disposition. It is likely not a glitch in the application, as I received emails and texts related to the application meaning it went through. If it was a denial, I should have received a denial message or correspondence. After all, I just submitted my PII to the company. 

I asked for a supervisor to look further into the situation. The supervisor claims that he located the application, but it can not be verified. The supervisor stated the application was denied, but also claimed it needed further verification. It can not be both. Either the application was denied and we move on, or further steps need to be completed. The supervisor could not describe how further verification would be completed. 

At this point, I have ZERO idea if an account was generated or the disposition of how my PII was used. If there was a concern over identity verification, there should be a way to verify my identity to continue the application. I feel confident that application didn't tell me to call, to be given vague description as the status of my account. 

Do I need to apply again? Did my application work? When can I apply again? Hard to believe it being this difficult to apply to a place to give them {$50000.00}. 

I ultimately want to know the correct disposition of my account, and what part of my PII couldnt be verified. I would also like to know why there was no attempt to verify the PII. The entire process has left me feeling uneasy about Capital Ones handling of PII.
Consumer complaint received 2024-09-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (OH)

So I went to a school which was XXXX XXXX XXXX! Online class, during the start of school I had a hardship occur with the courts and couldn't attend. After things returned to normal they started calling me none stop after I had already reached out and told them the situation. 
I never consented to sharing my information with third party non-affiliated companies as I had every intention on paying what I owed. They continued and are still calling. This account was sent to collection without my written or verbal consent. Under the FCRA 15 U.S. Code 6802 A, B, a creditor can not furnish my information without my written or verbal consent. Please remove this from my credit report and cease all communication for violating my rights
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My current mortgage servicer Select Portfolio Servicing Inc. ( SPS ) continues and refuses to provide me with proof of documentation regarding information related to an alleged principal balance of {$13000.00}. SPS states my previous servicer XXXX XXXX XXXX ( XXXX ) had placed that amount on my account upon transfer. SPS states this alleged principal balance was due to delinquencies resulting in default and that the amount was placed at the end of the maturity as an " interest sweep '' to bring the loan current. On XX/XX/XXXX, I agreed to pay a Mortgage Reinstatement Quote for the amount of {$42000.00} to prevent foreclosure. This amount was satisfied in full prior to the deadline of XXXX, XXXX, XXXX. There was never any mention of a deferred balance owed on the Mortgage Reinstatement Quote. SPS states this agreement to defer the alleged principal balance was a verbal agreement. I have requested proof of this documentation multiple times and they continue to tell me it will not be provided because it is considered privileged or proprietary information. SPS states the deferred principal balance must be paid at the end of the maturity date in one lump sum. I have made multiple attempts to request this proof of documentation and proof of the history of my loan account for review. They continue to state the alleged deferred balance is a separate issue from the Mortage Reinstatement Quote that was satisfied in full but they will not provide what is rightfully mine to review. I have attempted my requests through Appeal Letters, Qualified Witten Request,, Error of Resolution Notice and multiple verbal conversations with SPS representatives to include their unneutral SPS Ombudsman Department. I had previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX with attachments to review. SPS responded to the complaint but with no proof of the information requested. I have consulted with legal counsel and have been told SPS should have my entire file in their possession to provide me with any information requested regarding my loan. It is my right to request and not be told it has to be paid as stated by XXXX without the proof requested.
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STANDARD MORTGAGE CORPORATION (IN)

Standard Mortgage, who has my mortgage, made mistakes when renewing my insurance this year and double charged my escrow account for it. On XX/XX/XXXX, they paid XXXX XXXX {$7600.00}. Then on XX/XX/XXXX, they paid for additional hazard insurance from XXXX for the same amount, {$7600.00}. 

In XXXX, my mortgage payment vastly increased because of this, going from {$1800.00} to them demanding {$2500.00} to correct the erroneous escrow deficit. I contacted the company repeatedly over the last month to try and get the escrow amount restore and my monthly payment down. Despite being told they were aware of the problem, they have still not fixed the escrow or my monthly payment, going so far as to charge me a late fee and sending debt collection communications. 

My payments for the correct amount are not being counted as payments because of their mistake. In addition to being wrong and bad business practice, this is additionally lowing my credit score.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (DE)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (FL)

I was trying to transfer money from my account with XXXX XXXX XXXX to my SoFi account. The amount was {$3500.00}. The money wasnt moving after trying a few days, and it wasnt until the last day I tried that I was told that there was an XXXX freeze on my XXXX account, which was why the funds werent moving. SoFi restricted my account, treating it as if it were a bounced check. And I figured I could wait until the following Monday for them to undo the restriction. That was around the XXXX XXXX XXXX, and it is now the XXXX. Ive made multiple calls to SoFi to ask for progress on the decision for my account, but every time was told that they cant tell me how long it would take for them to reach a decision, and that I would just need to check my app.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

XXXX, told me I couldnt pay more on my loans when I was trying to pay them off early. They were trying to keep me to keep paying and have my interest build. They told me the only option to change my loan payments forberance
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE XXXX XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXXXXXX XXXX XXXX  -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF XXXX. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED. 
4. A XXXX XXXX COMPLIANCE LETTER HAS BEEN SENT TO LEXISNEXIS 5. A XXXX COMPLAINT HAS BEEN FILED.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (DE)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.