davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (GA)

I am paying my mortgage payment on time but they reported that i have 10 late payment which is not true .I bought this house in XXXX, and XXXX XXXX  XXXX XXXX sold me to Nation star called Mr Cooper.XXXX XXXX XXXX XXXX they was no report any late payment, All 20 years always paid on XXXX of every month, Then in from XX/XX/XXXX to XX/XX/XXXX reported 10 late payment, I was/am paying what i suppose to. In XXXX they started playing with figures/dirty tricks and not putting money in to mortgage account using it to lenders fees and partial payment .They did not write to me or inform me.Even from XX/XX/XXXX to XX/XX/XXXX i paid XXXX instead of XXXX so i can pay loan early. They did not put extra money to my principal using it here and there playing with dirty tricks, Then i called twice on XXXX XX/XX/XXXX and XXXX satisfactory answer. Then send them two email from my email account XXXX on XXXX and XXXX XXXX to there research wings .They send me latter and put two month XXXX to the principal. 
I am request is inquire why they using my money here and there, Get all report from them. That what I understood the i was trying to pay off to finish it off, And stared playing with figures
Consumer complaint received 2024-06-18
Product: Credit 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 (OK)

I Have been a Capital One card holder for over 10 years. I have never had a late payment, and I have always paid off my balance every month my credit score is usually around XXXX ( has dipped to XXXX a few times after some big purchases but I still never missed a payment. ) I have applied for a credit increase twice a year for over 6 years & have been declined for not using the card enough. I have called, emailed, and written trying to get the amount they required for them to raise my limit, but they dont answer anything. Today I spoke with someone at the call center that told me I needed to use 3 % of my limit ( my limit is {$6000.00} ) my last statement was {$890.00}, Ive had higher & Ive had lower but they still decline an increase. I have several other cards & within a couple of years they increased my limits up to {$26000.00} on one, {$25000.00} on another and when I get new cards they start my limit off at about {$16000.00}, but Capital One still wont raise my limit
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2024 A person impersonating a XXXX XXXX sheriff called me. The phone number matched the police department phone number online. He provided by email the citation that was issued to me for missing jury duty. He demanded XXXX dollars for the citation that I would get back after my court date or be arrested. Money was sent. I called me bank within an hour to get the transaction reversed. They said it could not be reversed so a claim was made. I reported the scam to the police department and received a case number. Police said nothing they could do and the bank denied the claim. I have made a complaint with the fbi
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (OR)

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy. 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note that these items were in dispute within 30 days now this account is in violation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Financial LLC (DE)

I have requested that the company stopped communicating with me. Electronically both text messaging an email in regards to making my payment I. Also advise them that per TCP A once I've requested, they have to stop and they have not honor that. I will take care of my obligations but they will not stop harassing me
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Arivo Acceptance, LLC (OH)

ARIVO ACCEPTANCE LLC has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/year>XXXX XXXX
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (LA)

I have been calling coinbase for the last XXXX to XXXX months, trying to get my account from being restricted so I can access and sell my XXXX. Each time I call and be able to get someone on the line they tell me to send my photo ID and a selfish with the words coinbase and that date. I have done this @ least 4 times and each time I send it they tell me my account will be available to me in 3 days. The XXXX days never come however I have to keep calling and being placed on hold literally for hours XXXX someone answer. On XX/XX/XXXX I wanted to sell my XXXX XXXX coin because my account was up to XXXX and I was able to access my account to sell the coin. Now my account for XXXX XXXX is down to about XXXX because I wasn't able to access my account and sell and I'm still not able to access my account. I am looking into seeking and Attorney to file a law suit because of the money I have lost do to the fact that I am not able to access my account for months.
Consumer complaint received 2024-06-18
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: Kora Financial (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I signed up for auto pay. This month, I was charged late payment fees and interest because the auto pay didnt work. I had XXXX the credit card amount in my checking account at the bank, so it wasnt an inability to pay. The bank auto pay didnt work and then I was charged for it.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (TX)

XXXX sold my account to Sequium, we had an agreement to settle and delete off my credit report. I have proof with the emails from Sequium, they are attached. Please delete off all of my credit reports. This is not okay, I am trying to purchase a home and they are hindering me from doing so. We had an agreement and they are breaking this by not deleting XXXX collection account off my credit reports.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX XXXX XXXX  XXXX 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 in those account 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. 

XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I used BOA card for a no interest balance transfer. I set up the auto pay for a monthly amount. Before the last payment was submitted I shut off auto pay on XX/XX/XXXX. I paid the last payment to close the balance out and thought I was done. Today i fond a pending charge from them and call to dispute the charge.. They confirmed that i stopped the autopay on XX/XX/XXXX but couldn't do anything to stop taking the money they had no business taking. They stated it was stopped but there was another place on the web site that needed to be completed. I stated it wasn't there when I used the app to discontinued the autopay.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MO)

They either disable auto pay with no notice or the auto pay doesn't show an effective time and they charge a late fee. The posted charge even says auto pay but they still charged a late fee. This has happened 5 different times. They need to be investigated.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MD)

This is a matter of a purported debt owed to their agency, which I adamantly contest and refute. It has come to my attention that this agency has been pursuing collection efforts against me for an alleged debt, despite the absence of any contractual agreement between us. 

I want to make it unequivocally clear that I have not entered into any contractual agreement with this agency, nor do I acknowledge any obligation to pay the alleged debt. Furthermore, I assert that the basis of their claim is fraudulent and in violation of consumer protection laws.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc. (NJ)

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX XXXX for {$2000.00} XXXX XXXX for {$550.00}, kick off for {$2500.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I disputed unauthorized inquiries with Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted several round of letters and FTC reports with each round of disputes. Each time, Equifax has responded with no deleting the unauthorized inquiries because they claim the documentation wasn't clear, the inquiries are factual, or ignoring the disputing all together. I have also called and have been lied to saying they havent received any documents when I send each letter certified and know that they have received the disputes through me tracking thru USPS.com. 

Equifax has willfully been noncompliant with my dispute request.
Consumer complaint received 2023-08-17
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. (MI)

They said there was able to verify the information and they did not tell me how they viried the information. Sent letters to them and asked for proof and they have not sent any thing
Consumer complaint received 2024-05-16
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 with the credit fairness act companies have violated my rights. 
1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

On XXXX XX/XX/2023, I responded to XXXX, XXXX XXXX XXXX XXXX, complaining about an increase in insurance premiums due to a " conviction. '' After calling to find out what I had been convicted of and where, I was told that XXXX didn't know, and that they got their information from Lexis Nexis. I responded to XXXX in writing ( copy enclosed ) and contacted Lexis Nexis on XXXX XX/XX/2023. I sent Lexis Nexis the letter from XXXX that said that Lexis Nexis was the source of data for my conviction. 

Lexis Nexis told me in a XX/XX/2023 form letter that they couldn't process my request because they couldn't identify me. 

On XXXX XXXX, I responded to Lexis Nexis and provided them with a copy of a recent Passport and the header statement including name and address from my mortgage provider. 

On XXXX XX/XX/2023, I got the same form letter back from Lexis Nexis, with the exception that the XX/XX/XXXX letter says that I am Consumer # XXXX / Case # XXXX. The XX/XX/2023 Letter says that I am Consumer # XXXX / Case # XXXX. 

I'm just a simple XXXX ; I conclude that I am the victim of identiy theft and that Lexis Nexis is incompetent.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

I am writing to file a formal complaint against American Express ( Amex ) regarding their deceptive practices and failure to provide access to a credit card account that I was approved for under false pretenses. On XX/XX/2024, I applied for the XXXX XXXX American Express Card while making a flight purchase on the XXXX website. After completing the application process, I received an email from Amex confirming my approval and providing a link to access my new card information. However, when I attempted to access this link to obtain my card number and details, the page encountered an error and did not display the requested information. Frustrated by this technical issue, I contacted Amex customer service for assistance. After multiple transfers and lengthy hold times, I finally spoke with a supervisor who informed me that, for security reasons, I could no longer access my card information through the provided link. The supervisor offered no alternative solution or means to obtain my card details, effectively rendering the newly approved account inaccessible to me. I expressed my dissatisfaction with this situation, as I had signed up for the XXXX Amex Card with the explicit purpose of using it to book travel through XXXX before seats became unavailable. The supervisor 's response was dismissive, stating that nothing could be done to resolve the issue. Amex 's actions constitute a clear violation of the following : Truth in Lending Act ( TILA ) : By approving me for a credit card account and then failing to provide access to the account information, Amex has violated the TILA 's requirement to disclose accurate and complete information about the terms and conditions of the credit account. 

Fair Credit Billing Act ( FCBA ) : The FCBA requires creditors to promptly investigate and resolve billing disputes. By refusing to address my inability to access the approved account, Amex has violated this provision. 

Unfair or Deceptive Acts or Practices ( UDAP ) : Amex 's conduct can be considered an unfair or deceptive act or practice under the Federal Trade Commission Act, as it involved deception and caused substantial injury by denying me access to the credit account I was approved for under false pretenses. 

I demand that Amex take immediate action to provide me with the necessary information to access and utilize the XXXX XXXX American Express Card account that I was approved for. Failure to do so will result in further legal action and the escalation of this complaint to the appropriate regulatory authorities. Please respond with a resolution to this matter within 14 days. 

Sincerely, XXXX XXXX