davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (WI)

We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. 

We want to be able to rent this property. We made that clear during the lending process. 

This compliant is being made against BMO Harris Bank. Our mortgage broker was XXXX XXXX.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (OR)

XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I am a frequent XXXX customer and a relative high credit card user. I received a promotional offer via email in XX/XX/XXXX to sign up for a XXXX American Express credit card. The promotion stated that I would receive XXXX bonus points and XXXX XXXX if I spent {$3000.00} within the first three months. I spent the required {$3000.00} within 2 weeks of receiving the card and I called XXXX twice in XXXX to inquire about when I would receive the promotional points. Both times that I called, I was told that XXXX would have have to look into why my points had not posted. I called again today, XX/XX/XXXX, and was told that an investigation had taken place after my previous calls and it was determined on XX/XX/XXXX that I was ineligible to receive the promotion because I had the credit card back in XX/XX/XXXX. Not only do I do not remember having this card, but I was shocked at how rude and disrespectful the customer service rep was being on the phone. I do n't understand why I would receive a targeted promotional offer for a credit card I was ineligible to receive the advertised promotion. To make matters worse, XXXX should have contacted me once they determined I was ineligible. I would not have continued to purchase items with that credit had I known I was ineligible. Now I have spent over {$5000.00} on this card and missed out on points with other cards that I would have used if XXXX XXXX had not been deceptive and misleading in their targeted offer. I am writing because I do n't want anyone else to have the same negative experience that I have had. Please let me know if you need any additional information from me.
Consumer complaint received 2017-12-28
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 (VT)

I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.
Consumer complaint received 2017-12-15
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. (FL)

I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (ME)

on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.
Consumer complaint received 2017-12-15
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. (CT)

My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

On XXXX XXXX I wire transferred a total of {$7200.00} to XXXX XXXX XXXX for the purpose of crypto currency investments. The website stated Please note that the name on your bank account must match the legal name on your XXXX account for the wire to be accepted. I did not know this initially and I deposited the money using 2 different bank accounts that belonged to my husband and sister in law as we are all interested in investing. The wire transfer is suppose to appear in my account within 1-2 days and after I did research on why it hadnt arrived, I came to the conclusion it must be because of the different names on my Coinbase account and husbands/sister in laws bank accounts. However the wire transfers showed completed on both bank accounts with no funds in my XXXX account. I am worried the money is just lost now and Im out {$7200.00}. I debited {$250.00} from my husbands checking account and wire transferred {$5000.00} as well. Then using my sister in laws account, I wire transferred {$2000.00}. I have tried contacting XXXX  directly through their customer support number and no one answered after waiting in line for about 3 hours. I have also emailed them with no response. How should I proceed about this? What is the next step I should take?
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LHM Financial (AZ)

Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

XXXX*New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.