davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (TX)

XXXX XXXX XXXX is representing Velocity Investments LLC and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to XXXX XXXX XXXX for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. XXXX XXXX XXXX which is collecting on behalf of Velocity Investments LLC appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/XXXX, I transferred my rent payment ( with memo of rent ) via Zelle on XXXX app to my ex roommate with the amount {$1100.00} while she did not pay to our accommodation then took the money back to her country and never replied. I got a Police Report regarding this scam and submitted a claim via XXXX while they were unable to solve this issue, and Zelle said I can only talk to XXXX if the money was sent via XXXX app. There is no way for me to dispute this transaction via Zelle then. I can provide the Police Report as well as the late payment details provided by the apartment have been attached.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

This formal complaint is regarding Best Buy 's deceptive advertising and marketing practices that I believe may have violated Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ). Best Buy had a XXXX XXXX advertised on its website for sale on XX/XX/year>. On the same Best Buy website product page, there was an advertisement and link to sign up for a Best Buy Credit Card, which would include the promotion of a 15 % points reward bonus on the first purchase upon opening a Best Buy Credit Card ( the XXXX XXXX qualified for this promotion ). Based on this representation by Best Buy, I clicked on the promotional link, signed up for the Best Buy Credit Card, and was approved. For my first purchase with the Best Buy Credit Card on XX/XX/year>, I purchased the XXXX XXXX on the Best Buy website ( {$2900.00} ). After the purchase, I called Best Buy and they confirmed the purchase was eligible for the 15 % promotion, and that I would be receiving it. However, Best Buy only awarded me base points of 5 % for the purchase ( {$150.00} ), and a separate promotion of a {$25.00} reward for the purchase of a laptop ( the separate promotion was not in connection with the 15 % points reward bonus - {$25.00} bonus reward with {$240.00} or more spent on a laptop '' ). I have waited for almost two months and called Best Buy multiple times to check on the status of my 15 % rewards. Even though Best Buy originally confirmed I would be receiving the 15 % points reward bonus for the first purchase, after this confirmation, the various Best Buy representatives have put me in circles with different numbers, made different promises on actions being taken, and excuses for why the 15 % rewards are not yet reflected in my account. Based on the latest call with Best Buy on XX/XX/year>, they first tried to say that the XXXX XXXX was on sale, so I was not eligible for the 15 % rewards ( the promotion did not state this ) ; after I pushed back on that excuse, they then said there was no 15 % reward shown on my account for the purchase and they can not do anything. This statement by Best Buy goes against their advertisements and multiple previous representations to me. This practice by Best Buy for their Credit Card promotion was highly deceptive and a material misrepresentation. As a consumer, this is very injurious to my interests, as I relied on Best Buys representations in signing up for their credit card, and making a large purchase for a XXXX XXXX. I am sure I am not the only consumer who was injured by this deceptive practice. These types of actions by Best Buy should seriously be looked into by proper authorities. This is not acceptable behavior by a purported reputable business.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Credit card closed, Bank of America could not say why they closed my account, they only say that it was requested by XXXX, but XXXX only controls the credit history, Bank of America for the second time, does not know why my account was closed, according to them they can not see the information
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

XX/XX/year> - Wallet and phone stolen. Filed a dispute with Wells Fargo XX/XX/year>XXXX  - Wells Fargo denied dispute and stated no error and charges were authorized XX/XX/year>XXXX  - Contacted fraud department at Wells Fargo to submit and appeal and they told me they would not submit an appeal and that there is no way to dispute the charges that were unauthorized now that they made their decision and I am out of my money and next time make sure my wallet and phone dont get stolen.
Consumer complaint received 2024-10-22
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-21
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: Figure Technologies, Inc (CA)

I originally applied for the Figure Home Equity Line in XXXX of XXXX  and everything went well. During the application process we disclosed everything regarding the current status of the house, family trust, financial situation, and additional information as requested by Figure before doing any type of hard credit pulls to avoid damaging my perfect credit. However, at the very end without any warning the loan processing team came up with a new issue which was never disclosed before the start of the application process. They were unable to approve the loan because there was a deceased person on the XXXX XXXX trust? This was obvious from the beginning and had been fully disclosed before allowing Figure to pull my credit, since dad had passed away 3 years earlier and I together with mom we were the full Trustees and the house deed only had my name and moms on the official county recorders papers. I also had full power of attorney over everything so this was just weird and according to our family attorney made no sense since this was never disclosed by Figure before the loan process. The hard inquiry ended up lowering my score and so I asked Figure due to the undisclosed issue and misleading us that they please remove the hard inquiry since it could have been avoided if they were more professional and transparent. I submitted their official form with everything well explained but they responded in their generic and usual unprofessional manner with no acknowledgment what their actions did to my credit.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP (TX)

I made a payment, and car was reprocessed without my knowledge. During the repo process, they came on private property to my job and negligently towed my car. I ran to get information and no one could tell me anything, during the repression my vehicle fell off the bed of the tow and crashed into the tow truck as it was moving. I have proof and pictures and no one has tried to reach out to me to give me any information. My car was a total loss and I am not responsible for the damage, if the bank requested their third party vendor to pick it up.
Consumer complaint received 2024-09-11
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. (FL)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  {$250.00} Account name : XXXX XXXX XXXX {$500.00} Account name : XXXX XXXX XXXX {$9800.00} Account name : XXXX XXXX  Account # XXXX {$2100.00} Account name : XXXX XXXX Account # XXXX {$180.00} Account name : XXXX  XXXX Account # XXXX {$320.00} Account name : XXXX XXXX Account # XXXX {$520.00} Account name : XXXX Account # XXXX {$270.00} Account name : XXXX XXXX Account # XXXX {$250.00} Account name : XXXX Account # XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX Account # XXXX {$1500.00}
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordace with the Fai Credit Reporting act. The list of accounts below has violated my federally protect privay and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name XXXX, Account name : # XXXX, has violated 15 U.S.C 1681 section 602 A. States i have he 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 instructions
Consumer complaint received 2024-09-05
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. (IL)

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.

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 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away. This is an urgent matter for me.
Consumer complaint received 2024-10-23
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (CA)

On Saturday, XX/XX/XXXX, I applied for online bank savings account with VIO Bank, and I was denied, I called the company VIO Bank and the agent on the phone said I might have misspelled something and use the name on my driver 's license ( DL ) and to reapply. I applied again and was denied after using the same information on my DL. I called back 10 minutes later on XX/XX/XXXX and spoke with the same agent, and the agent ( he ) told me again to change my information a little bit and to keep applying until I get a approval for the saving account application. 

At that point I I asked to speak to a manager or supervisor on XX/XX/XXXX and was told that the supervisor had already left. And was also told there will be no supervisor on Sunday XX/XX/XXXX. Therefore I was forced to make phone call on Monday XX/XX/XXXX. 

I called back today XX/XX/XXXX and spoke with another agent who told me I shouldn't have applied that many time as it's a soft inquiry and it will impact my credit score. And according to the agent today XX/XX/XXXX, she told me I had over 6 applications on file. I asked to speak with a manager today. 

The manager called me back one hour later after the agent today XX/XX/XXXX. The manager stated that it wouldn't affect my credit score and it doesn't matter how many time that I have applied. And she wouldn't release why my application for saving was rejected. I contacted the Federal Reserve, and they stated that it would affect my credit score as long as I applied anything with bank.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Figure Technologies, Inc (MI)

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am filing this complaint because EQUIFAX, XXXX, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (MD)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

IN 2005 I was given a HELOC with INTEREST ONLY PAYMENTS. at that time until recently I was unaware that this is an illegal loan. I paid on it for 14 years interest only payments. This derogatory information needs to be removed from my credit report. 



Also I recently requested a 5 year fraud alert on my Experian file and received a letter stating that I need send in identifying information. I did this and was it is being requested of me AGAIN. PLEASE LOOK INTO THIS. I ALREADY SENT IN THIS INFORMATION.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.