davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.
Consumer complaint received 2020-07-09
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$75.00} XXXX XXXX AND XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TMX Finance LLC (TX)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Legal Debt Recovery Department ) Creditor : Title Max Inc. 
Outstanding Balance : - {$2500.00} Docket Number # : - # XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX Subject : Final Notification from the Title Max Loan Recovery Department Title Max is a state licensed lender, which means we abide by all laws set forth by each state. This Legal Proceedings issued on your Docket Number # XXXX with Title Max Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Title Max has decided to mark this case as a flat refusal and press legal charges against you. 

Let us know what your intention is by today itself, so we can try to put this case on hold or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your doorstep. 

Do revert back ; if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding a legal charges against your name today. 
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded and executed. Submit your final intention between two days or we are not able to help you out this case more. 

Customer Notice : Title Loans should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX We have a settlement amount for you with easy weekly and one-time settlement amount options. 



1. If you can make one-time payment of {$1400.00} ( One-time case settlement ) we can close your case file with this amount only with the same day payment. 



2. If you are looking for weekly payment then you have to pay a total amount of {$2500.00} with payment arrangement and you can pay {$450.00} weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at : - mailto : XXXX Note : If you need to take care of this case outside of the courthouse or you need a payment arrangement plan option to hold this case outside of the court.submit your Intention about this case, you need to email us back immediately at : -mailto : XXXX Debt recovery Department Title Max Inc . 
Attorney XXXX XXXX
Consumer complaint received 2021-09-15
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: ENCORE CAPITAL GROUP INC. (MI)

A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18,
imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took this loan out and had it assigned for automatic payments out of my bank account. I then had some issues being able to pay this account and they allowed to skip a payment or hold of on making a payment back in 2019. The loan was for XXXX. I then used XXXX XXXX debt management and did a offer a settlement so I thought this account was handled. Then a few days ago I went to apply for a car loan and was denied and this account was one of the reason so I pulled my credit. They are saying they did get the settlement but now are not accepting it closed. They are trying to say now that in 2 years the interest is about {$10000.00} on a {$4800.00} loan balance. They have never contacted me, never tried to collect a payment or anything. All of my information is still the same as it was when I took out the loan. Same address, same phone numbers and same bank routing and account number.
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

Horrible lender, you can't speak to loan officers, they don't respond after they do whatever it takes to get your business. Process takes over 60+ days ... Stay away, stay away, stay away!! Bait and switch between what they advertise and what they offer.
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

In XX/XX/XXXX I was contacted by XXXX XXXX ( XXXX XXXX ) a XXXX based entrepreneur to invest in bitcoin mining. After exchanging with him for over 2 months I started investing first XXXX euros by XX/XX/XXXX. For a total period of 8 months, XXXX XXXX along with his accomplices and XXXX have successfully extorted over XXXX euros from me. I was given countless excuses, false and very believable references, made-up social profiles, false numbers. I was given deadlines to pay fees in order to be able to retrieve my earnings and made to pay daily fees ranging from {$200.00} to {$1000.00} until I successfully executed the payment. Payments were mandatorily sent to the scammers in the form of bitcoin which means I had to withdraw the cash from the consistently, use a bitcoin atm in XXXX that allowed significant sums to be sent. I had to live by every single day borrowing money from my family, friends, finding lenders to be able to pay for the daily fees, and penalties the scammers were giving me. I was unable to travel back home for XXXX having to find a way to come up with XXXX euros during XXXX and XXXX XXXX ( as they also charged me fees on those holidays ). I spent 8 months waking up knowing each day would cost me {$500.00}, {$200.00}, {$1000.00}. I was unable to follow through on my work and had to take a step back for these 8 months, focused on getting my earnings back. I withdrew significant amounts of cash from the XXXX XXXX in gent and never once was I asked why I was doing so or why was I continuously withdrawing such amounts. I have been unable to pay my taxes, sustain myself, and had to start my business all over again since this XX/XX/XXXX when I finally came to the realization that this was indeed a scam. The damages were not just financial and now criminal as I cant even pay what I owe to the Belgian government in terms of taxes, they were emotional and physical ; enduring 8 months of constant stress that could have been prevented had the financial entities responsible to audit and control the circulations on money asked me why I was taking and needing so much cash.
Consumer complaint received 2023-06-21
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. (LA)

See attached complaint on the credit report agencies that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2021-09-23
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: LEXISNEXIS (MO)

I have a Security and Freeze with Lexus Nexus they shared information with XXXX credit bureau and XXXX credit bureau does not fall into the category of any of the entitled categories allowed to receive information when a security freeze is on your account. in fact while on the phone with Lexis Nexus I was told by XXXX employee ID XXXX verbatim we can not stop the sharing of information with credit bureaus they are not included in security freezes we are not aware of how or when information on a person with a security freeze is obtained. This is a direct violation of information being shared in accordance with who is allowed to get information while a security freeze is in place. credit bureaus are not entitled to information they do not fall into the criteria of employers insurance companies Or others defined on your website. LEXIS-NEXIS as well as XXXX have both refused to provide to me with a written information as to where they received verification of the information that they have placed on my credit report this is a violation of the FCRA.
Consumer complaint received 2023-06-02
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: 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.

The letters are stated with items and issues.

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 2021-05-05
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood prevented me from withdrawing cash starting XX/XX/2022 ( attachment # 1 ). 
Robinhood noticed me that additional verification is required to withdraw to this bank account and I can withdraw to the bank account where money was originally deposited from ( attachment # 2 ). 
I have provided all doc per Robinhood 's request on XX/XX/2022 but Robinhood refused to give me a resolution as of XX/XX/2022 ( attachment # XXXX ). 
My withdrawable cash is {$5000.00} as of XX/XX/2022 ( attachment # 4 ). 
And my {$5000.00} withdrawable cash is originally deposited from my XXXX XXXX  account and is available as of XX/XX/2022 ( attachment # 5 ). According to the terms of Robinhood, I am supposed to withdraw the {$5000.00} cash to my XXXX XXXX  account where money was originally deposited from ( attachment # 2 ). 
But Robinhood still prevented me from withdrawing the {$5000.00} after XX/XX/2022 ( attachment # 5 ). 
I have contacted Robinhood more than 20 times since XX/XX/2022 ( attachment # 6 ). But Robinhood still refused to give me a resolution.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

They deducted amount from my bank account inspite of wrong recipient details and the fact that the transaction was cancelled. 
They told me that they will refund within 24 to 48 hours which they didn't. I didn't received back the funds. They are now telling 10 business days. I have my whole emi due which because of remitly wrong conduct and fraud has been bounced. They have the recording too of the supervisor promising me that money will be reflected within 24 to 48 hours