davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

This concerns my CapitalOne credit card and account, of which I have had for approximately 25-30 years. For most of these years, my credit line was {$10000.00}. In the early years of this account, I used this account for my personal needs and also for a small business that I had in my home. This card had a lower borrowing limit on it, but I remember CapitalOne contacting me at various times and encouraging me to increase that amount, of which I did. I am XXXX yrs. old now and have been retired for at least 10 years, but I still have the card. It's always had the borrowing limit at {$10000.00}. On my last statement, XXXX. XXXX, I noticed the the amount was lowered to {$2000.00}. I had no notification that this was going to happen, so I was shocked when I saw it. Yesterday I spent a good amount of time talking on the phone with three different Cap.One agents, all a bit higher in position than the one before. None of them were able to give me an answer. Later in the day I received this email from them : Information about your account ending in XXXX Creditor : Capital One N.A. Dear XXXX XXXX XXXX, You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : There has recently been a credit line decrease This Capital One account was recently past due A credit limit increase on your account is not currently available upon request There has recently been a change to the credit line on this account In case you need a little more clarity, we've included some additional information on a separate page. You'll see FAQs, common reasons that requests for credit line increases are declined, and useful suggestions on what you can do next. We hope you find this information helpful. If you have other questions, go to https : //www.capitalone.com/credit-cards/credit-line-increase/. Sincerely, Capital One XXXX XXXX Team Please see reverse side for important information and disclosures. XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX -- -- -- -- XXXXThey said in this letter that I was applying for an increase, I was NOT. I was trying to find out why my borrowing amount was lowered. Just to mention, as with most with, people there were a few occasions during all of those years when I was a few days late with a payment, but it was always taken care of in a timely fashion. I hope this letter isn't too confusing. I just want my old credit line of {$10000.00} back for several reasons. Thankyou for your assistance. XXXX XXXX XXXX.
Consumer complaint received 2023-08-22
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. (MO)

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment Equifax : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (NY)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/2023 with XXXX, Equifax. and XXXX to reinvestigate the following account : Account name : XXXX. Account # : XXXX. 

However, they stated everything was complete and updated. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NC)

Yes I did, Have no account Numbers I wouldnt expect any cards, too much fees and interest, trying to get a little ahead, hard a hardship for awhileXXXX XXXX XXXX XXXX XXXX, wasnt out of work long, but I live alone! No help from anyone XXXX XXXX XXXX! I own my home, I make {$15.00} a hour I am sinking here, having XXXX XXXX  too trying to stay out of facility!!! I have no one my children are grown and gone, they will not return a call. I dont want to be a XXXX  I just need some help to get straightened out! I do think I have some money in the lost money fund but dont know how to get it! Thank you and XXXX Bless!
Consumer complaint received 2023-01-07
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. (NC)

XXXX XXXX XXXX XXXX is showing credit grantor reclaimed collateral to settle defaulted mortgage. Account opened in 2015 and still reporting currently only on my Experian report even after debt was settled and closed.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (GA)

COMENITYBANK/VICSECRMC did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX COMENITYBANK/VICSECRMC Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, OHXXXX-
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NJ)

I don't recall having a contractual relationship with this collection company Lockhart , Morris & Montgomery , Inc . Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (GA)

I extended credit to Mercedes Benz when I took interest in one of there cars 15 usc 1602 then they ask me for a XXXX down payment which is against the law 15 usc 1662 b and they told me I was denied for not having enough credit for the car which is also fraud 15 usc 1611 I also ask the the financial manager to get in touch with the underwriter and their lawyer but he wouldnt do it I also wrote XXXX the general manager and didnt nobody get in touch with me which is violating my right 4th or 5th amendments they also gave my information to other companies without my permission
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

The issue seems to be that before closing on the sale of my home, the lender decided to charge me next month 's escrow when they knew I was closing. I noticed the discrepancy and called them. It took them XXXX minutes to figure it out. I was told that they were aware of the error and the check was mailed on XXXX XX/XX/year>. It is the XXXXXXXX XXXX XXXXXX/XX/year> and they have not sent the {$790.00} they owe me. I called them XXXX weeks after initial contact and was told they had 30 days to send the check. Well, is been more than 30 days and it appears they refuse to relinquish my funds. Below, I am attaching the first payoff quote, which is less than the second quote. This reflects the additional escrow charge, also I am providing an image of what appears to be money owed to me on the mortgage statement. At least I was told that is what they owe me when I called.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

We purchased a home and opened an Ikea Projekt card through Comenity Bank to help us finance our home projects. The terms of the card state that purchases over {$500.00} qualify for a 6-month 0 % APR, purchases over {$1000.00} qualify for 12 months at 0 %, and purchases over {$2500.00} qualify for 24 months at 0 % APR. Due to the logistics of our needs, we made 4 purchases, 2 over {$2500.00} that qualified for the 24 months and 2 over {$500.00} that qualified for the 6 months 0 % APR. We are now 2 months into our repayment, and our payments, including the amount over the minimum, are being applied to the largest balances first. We have been told we are not able to designate which balance our payments are applied to, even the excess of the minimum payment, unless we make a payment that pays one of the promotional balances in its entirety. Essentially, to avoid paying interest we have to make lump sum payments in the amounts of the two smaller 6 month amounts, which is a stark contrast to the advertised intention of dividing the cost of a project over a 6 month period. Rather than applying payments to the lowest or nearest term balance, in a way that is beneficial to the consumer, Comenity is insisting their system is only able to apply payments to the highest balances first, essentially guaranteeing that we will accrue interest and not benefit from the financing as advertised. I spent an hour on the phone today, escalated the call three times, finally got a complaint filed with XXXX by XXXX, but she clearly stated that I should not anticipate a follow up from Comenity, as that is not their policy. I would like my payments, especially those above the minimum payment, applied in an equitable manner that is to my benefit as a consumer.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 XXXX XXXX
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, 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. (OH)

Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (NM)

I was in a car wreck in XXXX of XXXX. XXXX XXXX XXXX was one of multiple medical debts that were paid off from a personal injury settlement. A total of XXXX was paid to this company in XXXX of XXXX. At the beginning of XXXX this company attempted to file falsely on my credit report through a credit collector " XXXX XXXX. '' I disputed this twice on XXXX XXXX. The first result was " not changed, '' but the second dispute result was " changed. '' I saw nothing else from this company until the beginning of XXXX. They are attempting to falsely accuse me, again, of owing them thousands of dollars through a credit collector " XXXX XXXX XXXX. '' I have disputed on XXXX XXXX 5 times and once directly through XXXX. Every time the result is " not changed. '' This company is causing serious damage to my credit score.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX XXXX account XXXX is not reporting on my Transunion report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both XXXXXXXX XXXX and also Transunion