davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (LA)

Incorrect information on my credit report Sub-issue : Information belongs to someone else date open : XX/XX/2021 amount : {$210.00} XXXX date : XX/XX/2021
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I HAD DISPUTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX XXXX ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF  MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY EXPERIAN AND XXXX REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH EXPERIAN AND XXXX, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MN)

On XX/XX/XXXX I purchased a new XXXX XXXX. I paid {$20000.00} down and financed {$10000.00}. I paid off the {$10000.00} and the check cleared my bank XX/XX/XXXX. I have made several requests trying to get the lien release sent to me so that I can register and title the car in my home state of MN with a free and clear title. The interest was paid in full and their records indicate XX/XX/XXXX. I have requested a XXXX balance letter and have been denied that as well. He placed another request for this today. 

I have made several calls to GM Financial and have been told as many different answers. Each time I speak with someone I am told something else.
Consumer complaint received 2019-10-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (CO)

XXXX XXXX XXXX, XXXX. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

constant calls, as soon as i answer the phone hangs up, i have to search the number online and find it is always portfolio recovery. I do not have debt with them and the few times i have gotten someone on the phone, its alwasy someone with broken english and i tell them i do not have debt or accounts with them, have told them to stop harassing me but still get 7-9 calls a day from them, easily. 

I have also emailed them to stop calling.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NJ)

This is now the eighth time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for two years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is abusive, deceptive, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX  XXXX : # XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX have 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 information is inaccurate.
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NH)

My son received a VanillaGIft card from his grandparents. He saves these cards for larger purchases. They are sealed and sitting in a box in our posession. Recently he tried to use a card that was originally purchased on XX/XX/XXXX but was depleted on XX/XX/XXXX. The expiration date on the card is XX/XX/XXXX. We put in an appeal to the company ( case XXXX ) and were denied because it has been over a year since the card was used. If the card does not expire until XXXX there is an expectation that the funds will be on the card when the cardholder goes to use it. My daughter also recently tried to use a couple of her gift cards from the same company and they were also depleted by someone else. This appears to be a common issue with this company. My son would like his {$50.00} that his grandparents gave him for his birthday. Thanks so much for yoru assitance.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I did not have a least at XXXX XXXX XXXX XXXX when I moved out of unit XXXX I was told that she meaning XXXX would walk the apartment and submit a request for a refund for my Deposit since the unit was in really good condition after I had clean it and returned the keys before XX/XX/2019. I gave XXXX my forwarding address XXXX XXXX XXXX Tx, XXXX. I was told I did not owe anything and I do not have a balance with XXXX XXXX XXXX. I even got XXXX to write me a letter saying that I did not have a balance. I never heard from XXXX and I wanted my deposit back after a few weeks I called and left several messages and XXXX never replied. I tried to apply for another apartment and I was denied approval because XXXX had put false information on my credit report. XXXX signed a least with another resident for unit XXXX on XX/XX/2019. She reported that I owed {$700.00} for the same month. I asked XXXX what happen to you refunding my deposit? She did not answer. I have never gotten a bill from this apartment complex until I applied at XXXX XXXX  in XXXX they do a background check with XXXX XXXX. Currently, I am XXXX  because of false information being reported.XXXX need to provide a least that starts on XX/XX/2019 or the false information should be taken off my record.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

COMPANY : SHELLPOINT/ACCT # XXXX On XX/XX/XXXX Shellpoint sent me letters stating that my flood insurance is inadequate, I called the company and told them they were in error and I also called my insurance agent Ms XXXX XXXX of XXXX XXXX phone # XXXX. I instructed her to provide Shellpoint with the necessary proof of insurance coverage since XXXX to present and she did. 

on XX/XX/XXXX. XXXX I received a letter from shellpoint thanking me for providing acceptable policy for the referenced property. The also said and I quote " The policy you have submitted will replace the previous insurance information we have on record ''. 

On XX/XX/XXXX I receive another letter stating the same as in their XX/XX/XXXX letter. On XX/XX/XXXX I again had my Insurance agent re-send my insurance documents as I did in XXXX. 

I have since gotten letters XX/XX/XXXX and XX/XX/XXXX and XXXX stating erroneous claims that my hazard insurance has expired and that I do not have adequate flood insurance. 

I have spoken to Ms XXXX, Supervisor who work for shellpoint ON XX/XX/XXXX and request that Shellpoint cease and desist sending me these harassing erroneous letters. I also requested that they not place a lender placed flood insurance policy on my loan as that would be fraudulent. 

Shellppont IS BEING RAPACIOUS AND PREDATORY! and is sending harassing erroneous insurance claims to us. 

Please assist with stopping this harassment. Thank you Sincerely XXXX XXXX
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

Im having insures with removing credit freeze I have placed a temporary lift of my credit report from XXXXXXXX  until XXXXXXXX  due to the delay with Experian removing inaccurate student loans I asked that my credit freeze is fully lifted off permanently until I personally reapply the credit freeze after I purchase my new car Experian phone lines are completely blocked I have tried to call multiple days in the past week and no call back
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response
Consumer complaint received 2019-10-02
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Auto loan AUTO INSURANCE PREMIUM REIMBURSEMENT HAS RUINED MY PERSONAL AND BUSINESS CREDIT SCORES or reasonable working capital financing. The auto insurance coverage period in question is XX/XX/XXXX to XX/XX/XXXX ( same time frame as the account fraud ) and I did not get my refund until XXXX... which is almost 3 years later to finally get my initial check. Here is the series of events that ruined my credit : a. I sent Well Fargo proof of insurance in XX/XX/XXXX and I did not get my check until the first week of XX/XX/XXXX why would it take another 2 3 month on top of initially waiting almost 3 years b. So, I made the deposit and then c. a stop payment was placed on the check ( no explanation for why and no apology for one of many inconveniences ) and I was charged a {$30.00} stop payment fee. The check amount was for {$1500.00}. So a total of {$1600.00} was debited from my account. 
d. So then I told XXXX XXXX from Wells Fargo Dealer Services, I received the replacement check on XX/XX/XXXX and made the deposit today which means I won't be able to make the payment until the check clears on Friday XX/XX/XXXX or Monday XX/XX/XXXX ; e. So, of course, my credit score has been impacted by this going back to XXXX which is my point about collateral damage resulting in lower credit scores leading to predatory loans and is another part of why my business is suffering. This money was going to be used to catch up on my mortgage that I am already 2 months behind on and I will incur additional late payment fees. 
f. Of course, my reaction was disbelief as to why would a stop payment be placed on a check that I clearly provided to you a copy of proof of insurance certificate from my insurance company. 

So now my credit score has been damaged and I was denied a mortgage modification and was given a forbearance plan instead - due to everything that Wells Fargo has put me through with the account fraud and resulting collateral damages and especially the collateral damages from 8 + month long secret biased one sided investigation. So my credit score needs to be repaired. 

I have attached a copy of the XXXX XXXX  mortgage  fo
Consumer complaint received 2019-10-14
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. (NC)

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX  are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX/XXXX ACCT : XXXXXXXXXX XXXX : {$1000.00} XXXX/XXXX   ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX   ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$800.00} XXXX/XXXX ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (DE)

I Got a fraud call from XXXX XXXX - XXXX XXXX XXXX at XX/XX/XXXX @ XXXX XXXX EST, asking for my VISA or XXXX or DISCOVER Card numbers to decrease credit limits. 
I said you are a fraud, and i am not giving any details - ( I worked for VISA so i recognized it as a fraud call ). 
Then i was shocked, when he gave my Discover Card Balance and  other details. 
Then he said he is going to closing my account. 
I said this is not possible. 
Then he said he have complete details of Discover card to close them. 
Then i disconnected the call to contact Discover. 
Meanwhile i receive a call from another number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, same person laughing and told my Discover Card account is closed. 
I was Shocked and immediately contacted discover support @ XXXX XXXX EST over Chat, and later @ XXXX XXXX over phone ), to report this fraud. 
To my surprise Discover Card Support said my account is closed few minutes back, and i said i haven't requested for it, and explained them what happened earlier. 
XXXX from Discover Card support said " we understand your concerns but they can not do anything as the request came from my phone number ''. 
I said this is a fraud call, and i want to escalate this, and fix this issue ASAP. 
XXXX from Discover Card said they can not do anything, and said he will send this details to accounts department. 
I asked for a ticket number, XXXX said he don't have Ticket number, but said this conversation was started on a Memo line XXXX.