davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

I have been requesting charges clarification from acima, since XX/XX/scrub>/24. I only received an explanation yesterday because I filled a complaint with the CFPB. 

Acima closed the complaint without rectifying the amount owed. I was not able to reach their customer service to cancel the optional fees I was being charged. Thing that their representative at the store I bought my item, failed to inform me. From the beginning, they operate some sort of money grab scheme, and because their customer service is a dead end, ( they dont reply emails with info, their phone number doesnt work, and their chat cant access my account because its in resolution ) consumers dont have the opportunity to get answers and cancel whatever optional fees they charge. 

I didnt have a fair opportunity to cancel their optional extra charges due to their lack of customer service to answer questions. So now that I paid the last installment before the 90 day buy out option, they give an explanation through CFPB. 

I want them to remove ALL the optional charges I didnt have the opportunity to cancel, and rectify the amount owed. I am aware of their class action lawsuits, so I know I am not the only victim of their bad business practices.
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with VXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 60 days to be removed. 


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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Credit Adjusters, LLC (CA)

This collection agency is reporting fraudulent inaccurate information on my credit report. Under the FCRA, I am exercising my rights to request full validation of the alleged debt but they failed to do so.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/year>, at XXXX, I received an email from Bank of America XXXX " BOA '' ) notifying me of " Suspicious credit card activity detected ''. I immediately called the BOA number on the email and was told that there was a suspicious {$20000.00} charge on my BOA visa credit card. I told them the {$20000.00} charge was indeed unauthorized activity and was not initiated by me. I was instructed to destroy and cancel the credit card, which I did over the phone with the BOA representative. On XX/XX/year>, I received a letter from BOA " confirming that the transaction did not post to my account and they considered the account resolved ''. However, on XX/XX/year>, I noticed that there was a new account on my online BOA profile with a {$20000.00} balance. I called the BOA XXXX department again and was told that the XX/XX/year> letter was sent by BOA in error, and a new account had been created and that the claim had been " re-opened ''. I was told tothat BOA would would respond within 90 days with a " final decision '', but to also check back in a few weeks. I was told to pay the finance charges accuring on the {$20000.00} balance and that they would be credited back if the matter was resolved in my favor. As of today, the {$20000.00} remains as an outstanding balance on the new account created by BOA. I have called the BOA XXXX department several times since, and as of today, I am being told that the matter is still under investigation and a final resolution letter was forthcoming. Today the BOA XXXX department said the fraudulent activity is the result of a balance transfer and BOA was in the process of contacting the bank to where the funds were transferred to in an effor to recover the funds, if the transfer actually occurred. BOA has not shared any other details, and continues to say the BOA fraud investigative team is working on it.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I booked a XXXX hotel stay in XXXX through Capital One XXXX XXXX XXXX XXXX, paying {$1900.00}. However, when I arrived at the hotel on XX/XX/XXXX, they informed me that my booking had been canceled without notification. Despite my calls to customer service, they offered no assistance, instead asking me to pay for the hotel in person and promising reimbursement upon checkout. Due to the hotel being fully booked, I had to secure a new room for 4 days and then switch to another room for the remaining 3 days. Capital One XXXX XXXX failed to help me, and I lost both time and money. Furthermore, they deducted XXXX miles from my account, which I had earned from the initial booking ( 10x miles for hotel bookings ), and I didn't receive any miles for the new booking made in person. The customer service experience was appalling, with a supervisor yelling at me and threatening to hang up. I had to resolve the issue myself, resulting in a horrible experience with Capital One XXXX XXXX!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed. 
PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well. 
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " Dept of EducationXXXX '' " closed '' accounts, " XXXX XXXX XXXX is over 10 years old.

15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting. 
FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', " XXXX XXXX XXXX XXXX '', and " XXXX XXXX XXXX ''. 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all 3 reporting credit agencies.
Consumer complaint received 2024-07-08
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. (CA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I was taking a taxi in XXXX from the location XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX to the location XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( a XXXX XXXX XXXX ). When we arrived at the drop off location, the meter read XXXX euros. When I asked if I could pay with card, the taxi driver pulled out the card reader machine and asked for my card and did not provide me with a receipt. It wasn't until I looked at my Capital One account that I realized the taxi driver had charged me {$780.00} for this ride. I then reached out to Capital One ( venture X card ) to report this charge as fraud. They told me that they could not accept this as a fraudulent charge because my card was physically swiped even though it was not the amount that I agreed to pay. I then tried to dispute the charge as a scam and they proceeded to tell me that without a receipt they can not accept the charge as a scam. I then tried to take it upon myself to reach out to the Croatian taxi company to provide me with a receipt but they were unreachable. I am extremely frustrated because I've been going back and forth with Capital One for 2 months not trying to get this issue resolved. The reason that I pay the {$390.00} annual fee for the Venture X travel card is to help and protect me for fraud and scams when I'm traveling internationally. I've attached the last letter that I sent to Capital One when disputing this charge which provides a witness statement from my friend that was in the taxi with me. She was able to provide me with an uber receipt from the same XXXX points of location going the opposite direction ( I called the taxi there and she called the uber home ). She was only charged XXXX euros for the XXXX XXXX going opposite directions. I've also provided XXXX article links that show XXXX similar situations that happened to Capital One members that ended up having to report taxi fraud to XXXX.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX the XXXX I activated my newly debit card and was in the process of placing a transaction to only have the card declined numerous times in different amounts. I contacted the fraud department twice to be told that the issue was resolved. While on the call with the second representative I attempted the transactions again for them to be declined again. The representative requested that I call back at a later time or try to lower the amount of the transactions. The transactions should have been processed as the funds were there and nor as a customer do I feel the need to call back and speak to another department when the transactions were not fraudulent. I was also told to give them time since they reset my card. This is completely unacceptable. Not to mention I requested a supervisor about 15 times and never got one. Ive had several issues with this bank over the last year which is the reason I will be taking my business else where. How do I have a debit that I was only able to use for a mere 30 minutes and now no one on your team has sense enough to resolve the issue
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Protection Under Section 605C of the FCRA Dear Equifax, I am writing to inform you that I am a victim of human trafficking and to request your assistance in protecting my credit information as per Section 605C of the Fair Credit Reporting Act ( FCRA ). Due to the nature of my situation, I am deeply concerned about my safety and privacy and am unable to approach law enforcement for help. Section 605C of the FCRA provides for certain protections for victims of trafficking, and I am requesting that you take the necessary steps to shield my personal information from being disclosed. It is crucial for my safety and well-being that my identity and location remain confidential. Please respect my wishes and ensure that my information is handled with the utmost care and discretion. I trust in your ability to protect my identity and prevent any further exposure that could compromise my safety. I have the right to keep my information confidential. I HAVE ATTATCHED A LETTER WITH ACCOUNTS THAT NEED TO BE REMOVED. Thank you for your understanding and prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

On XX/XX/XXXX, my mortgage with XXXX was sold to Shellpoint mortgage. ( This loan was originally made in XXXX. ) The terms of the loan were we put our paychecks into the account, and it weighed against the daily interest. When the mortgage payment was due, it was automatically withdrawn from this account to pay it. We also paid our insurance, utilities and other bills from this account. For whatever reason, in the transfer of the account, Shellpoint is treating this loan as a conventional loan and it showed us delinquent for not paying the mortgage bill? I began calling them daily from XX/XX/XXXX onward to no avail. In addition to the changing the terms of the contract, they do not show my XXXX paychecks into the account in XXXX. They simply " can not find them ''. To make matters worse, they froze the account because of the delinquency of the mortgage payment. The irony is the money I need to pay this account in in this same account ( minus my missing paychecks ). XXXX XXXX department has assured me the missing payments were cashed by Shellpoint. I have borrowed money to pay the mortgage payment and open the account but it has no money in it because my checks are missing. My auto withdraw bills from this account are going unpaid. My credit rating is holding while I borrow money from others to pay my bills. This is really frustrating, embarrassing and a little unnerving.
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

Since XXXX of XXXX, I have been disputing two delinquencies from discover financial. My discover card ( expired in XXXX ) was charged for a subscription service. Per discovers policy, it states on their website recurring payment with your expired credit card information won't go through.. Discover recognized this on the phone but continuously stated that even though my expired card was charged, they would not remove the delinquencies. A few representatives have said it should be removed, but nothing came of it. It has been months of misinformation and lack of accountability from discover. Their error has reduced my credit score drastically and now I will lose thousands in the future on interest rates.
Consumer complaint received 2024-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MI)

I was enrolled in a school in XXXX and I explained that I didn't have a XXXX. But, I attended one class couldn't do basic math and never returned however, I never seen any proof of a student loan. I recommend my XXXX in XXXX while in XXXX, Michigan XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (PA)

I have had the same home owners insurance since the purchase of my home in XXXX My insurance is escrowed and payed by Mr Cooper, my mortgage company. Unbeknownst to me, my ( ex ) insurance provider was sent the bill in XXXX, never responded and the policy was canceled. I knew nothing of this. Yesterday, i stumbled across a 2nd notice from them in my email saying my insurance was expired and i needed to find a policy. I went back to look for the first notice and they told me it was canceled around XX/XX/XXXX the first time. I missed that notice. However, it was canceled in XXXX so by time i found out yesterday it had lapsed 2 whole months!! They have billed me and collected my money for the policy as part of my mortgage and are responsible to pay the insurance from there but chose not to. Now i lost a good policy and have to pay almost {$200.00} dollars more costs of living due to their failure to pay, as new policy is much higher. On top of that, I could have gotten a 30 percent discount with my car insurers on home owners insurance as a bundle discount with my cars ( on top of being a diamond member with XXXX, but they are refusing me home owners insurance at any rate because it is company policy that they will not cover if there is a lapse in coverage. Now, not only have i missed out on my previous affordable policy, but i've missed out on the chance to get a huge discount on a new policy with XXXX and it's all because Mr. Cooper just never disbursed my payment when XXXX XXXX XXXX ( old insurer ) sent them the bill as they do every year. Now is not the time to increase bills in this economy ... and so suddenly and drastically. Unfair. I feel cheated and distressed. There's no way to get my old policy back... it's too late. There's literally no way to get a live person on their phone. No explanation, no apology ... no recourse.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.