davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Companies by the name of XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX, Midland Credit Managem are reporting Fraugulent Inaccurate information on my current Report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account othat belongs to me.
Consumer complaint received 2024-11-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

In XX/XX/XXXX, I opened a store credit card at a Best Buy location sponsored by CitiBank North America. At that time I explicitly asked for a store credit card vs. Visa credit card and was given that approval. 

In XX/XX/XXXX I noticed on the Best Buy online credit card portal my store credit card was closed and a new Visa credit card was issued. I contacted support and was told a notice was mailed to me in XX/XX/XXXX with an opt-out option for the issuance of the new card. I asked for proof of delivery or receipt ( such as certified mail ) and was told they only have internal records the notice was mailed. 

I am filing this complaint as I believe a credit card was issued under my social security number without my authorization. I did not receive this opt-out notice nor did I provide any sort of consent for a Visa Best Buy card issued through Citibank to be opened. I believe this was a deceptive business practice to convert accounts without user consent with the purpose of increasing credit usage on these cards. 

Here are steps the company should have taken to provide proper notice of such opportunity : - Provide an opt-in offer as opposed to opt-out. 
- Provide electronic notification of such changes. I did not receive an email or portal messages regarding this change. 

This complaint is the beginning of my process to take action against CitiBank North America / Best Buy Credit Services for the purpose of protecting consumers from predatory business practices such as this.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (CA)

THIS COMPANY DID NOT DO A PROPER INVESTIGATION ACCORDING TO FCRA AND ARE VIOLATING MY RIGHTS WILLINGLY. ATTACHED IS A NOTARIZED AFFIDAVIT OF TRUTH AND SOME COPIES OF HIGHLIGHTED INACCURACIES ON MY CREDIT PROFILE WHICH WERE DISPUTED AND IGNORED. THIS COMPANY IS ALSO IS VIOLATION OF 15 U.S.C 1681 sections 602A, 604A. I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (MS)

I called the company about a delinquent account that I was trying to pay off in full if if they agreed to delete the account which I paid in full in XX/XX/year> but yet the account is still showing on my credit report
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates calls me at all hours of the day. The debt they are trying to collect is over 7 years old but they bought it and harass me. The debt is for XXXX dollars. 

Today they acted as if they were a court processor and threatened to file a civil complaint if I didn't contact them by XXXX pm. All of the information in the text was fake. The phone numbers lead to nothing. 

I feel this is harassment and threatening to sue me over an outdated debt that they bought is ridiculous.
Consumer complaint received 2024-10-31
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 (OH)

I got an alert on my phone from my banking app that someone took the following amounts of debits from my family 's checking and savings account with XXXX XXXX  on XX/XX/XXXX. After calling the fraud department from XXXX, they said that Portfolio Recovery Associates took the money as a garnishment for a judgement against me. I have never been contacted or alerted by this company to any debts or money owed. I've only been contacted twice about garnished wages from financial hardships I endured in XXXX from the loss of my job and from family medical issues. Both of those were settled after I was notified of the garnishments. My extended family and employer were receiving harassing phone calls a few months ago about a debt I owed, but that information wasn't passed along to me. Nor did I ever authorize or agree that anyone could call my place of work or my sister, brother, father, and friends that they can discuss any debt on my behalf. Upon talking with my family and coworkers, they said Portfolio threatened to sue me and they discussed I owed them money with my family and co workers. 

Portfolio never alerted me to any debts owed, or collection attempts. On top of that, XXXX of the accounts I had at XXXX were for my XXXX XXXX XXXX daughters work paychecks. Since she is a minor, I opened an account for her to collect her direct deposits from work. 

{$250.00} {$1000.00} {$390.00} {$53.00} {$2800.00} {$75.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

XXXX wife was tricked into buying a pair of sneakers from an ad she saw on XXXX. Through XXXX XXXX, the vendor began communicating great prices, great deals, etc. The vendor " XXXX XXXX '' " XXXX asked for this payment to be placed through Paypal and explained it must be labeled for XXXX XXXX XXXX  ; otherwise, customs would seize it due to XXXX XXXX. After being informed, I contacted Paypal immediately ( within 24 hours ) with all the information, including the tracking number, and told them that this was a scam, not a legitimate transaction ; even showing the address to be delivered to was not mine. I noted it was our fault for not knowing better, as I later explained to my wife how these scams work. Paypal reassured me the payments would be frozen, that the vendor would lose privileges on the site, and that everything would be okay. They just needed 24-48 hours to complete their investigation, and I would be kept informed. I received an email from PayPal stating that the case was denied and the transaction would be approved because it was labeled " friends and family. '' I immediately called Paypal and spoke with a supervisor who acknowledged that because it was not manually reviewed ( as they noted, the case was reported fraud and not legit ). It ran through the system because it was labeled " friends and family. '' It did slip through, and that mistake was on their end. They would manually re-open and escalate for me, and payment would again be frozen. I checked online, and my case was closed. I contacted them again, and management told me that even though it was accidentally electronically verified and not manually, there was nothing they could do, contradicting what they had already told me twice. They encouraged me to contact corporate to overturn, to find out that corporate has no direct contact numbers. I verified and filed a case with USPS as they confirmed this tracking number had been issued ( 8 ) eight times on that same day and delivered to the same address as mine was shipped to. I did alert the credit card company of this fraudulent purchase, as they also accepted the tracking number and confirmed my address vs. the " delivered address '' to support this scam. I am pleading for help ; I understand it is only {$100.00}. and could have been a lot worse, but it is more the principal now that PayPal allows such transactions and does not support the consumer even when given information to support the consumer 's claim.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (IN)

I sent IC Systems a debt validation letter regarding an alleged debt of {$91.00} from the original creditor, XXXX, requesting proof that I owe this debt. They were unable to provide sufficient proof. Instead, I was sent a disconnection notice from XXXX dated months after I had already canceled the service and started a new account. 

The relevant records should be easily accessible since the payments were set up as auto-drafts from my bank account. After canceling the service, XXXX continued to withdraw funds from my account. I reported this unauthorized activity to my bank ( XXXX ), which conducted an investigation. XXXX found that XXXX was not authorized to make those deductions, as the service had already been canceled, and issued chargebacks for the funds that had been wrongly withdrawn. 

Despite this, IC Systems has reported the same amount as a collection account on my credit report. Any review of my account activityspecifically the monthly deductions and the cancellation datewill clearly show that I owe XXXX nothing. 

As IC Systems has not proven the validity of this debt, my next step will be to file a lawsuit against both XXXX and IC Systems for the damages caused by this inaccurate and negative report on my credit.
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Dear Jefferson Capital System LLC, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (IN)

XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXX XXXX IN XXXX sold me a car fraudulently and when I tried to resolved the situation they denied and I told them this would be the only chance to resolve it civilly before I report them to the proper authorities I wont stop pressing the issue so they wont treat another consumer the way they treated me. Ive filed a complaint with the Attorney General office online and doing the same with you. They stole my rebate of {$3500.00} from me and didnt report my full trade in value of {$10000.00} to the IXXXX XXXX XXXX XXXX XXXX They violated ( 6 ) of my consumer rights outlined in the certified letter I sent to the dealership on XX/XX/2023.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (FL)

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 6 credit inquiries on my credit report from you. section 609 states that you need to provide the application that was filled out when this account was  opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately the inquiries from. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXUrgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. 


I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

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 XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Account 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 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. 16815-2 ( 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 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (SC)

The following is a list of payments that I made on my credit card during the month of XX/XX/year> : XXXX {$300.00} XXXX {$300.00} XXXX {$1200.00} XXXX {$50.00} XXXX {$300.00} XXXX {$200.00} XXXX {$500.00} XXXX {$600.00} XXXX {$300.00} XXXX {$400.00} XXXX {$300.00} XXXX {$900.00} XXXX {$600.00} XXXX {$4300.00} TOTAL PAYMENTS OF {$10000.00}. 

After all of theses payments, US Bank reduced my credit limit from {$6000.00} to {$1600.00} with no explanation. I called and spoke with a representative, and she said the account had no reason listed for the credit line reduction. Furthermore, she stated that I could apply to have my credit limit increased. That does not logically make since, you reduce my credit limit on XXXX, then one day later on XXXX, you say I can apply to increase my limit. 

My account history with US Bank is EXCELLENT. I have no late payments, 30, 60, or 90 late payments. As a result, there is no reason for my credit limit should have been reduced. With a payment history that I have, my limit should only be increased.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

My XXXX credit card was closed and sold to FNBO my minimum payment was around XXXX dollars a month now with fnbo it is XXXX dollars per month they are charging on top of interest a schedule fee that is crazy its high way robbery
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.