davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXXD # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Signed up for a Capital One Quicksilver card in XX/XX/2021, maikers, ads and offer landing page ( even now ) shows offer of {$200.00} bonus after {$500.00} spend, XXXX XXXX XXXX for 15 months. I signed up, was given no indication the offer had not applied, while looking through the account, I found a shortened XXXX XXXX  XXXX term that initially made it seem like it had. I contacted XXXX to rectify, sent images, links of the offer. Despite promising a supervisor follow up, I had to call to follow up each time, only to receive numerous explainations for the altered terms, none of which were presented prior to account creation : expired links, refferal codes, credit rating only being 'good ', etc. I paid off the card and residual interest it gathered in the XXXX month. 

Capital One should not be permmited to advertise terms they have no intention of honoring, and at a minimum, should present the altered terms prior to account creation, rather than leaving the consumer with the credit damaging choice of closing the account with the altered terms.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX there was a derogatory marks on my account as a result of a balance of {$990.00} from National Credit Systems. This company is a collections agency that The XXXXXXXX XXXX use. 
I had to terminate my lease as a result of a job opportunity elsewhere, I reached out to the front office at The XXXX, spoke to a lady by the name of XXXX XXXX explained my situation and said she would email me my Move-Out statement with the full balance I had to pay before moving out. The phone call with her was in the beginning of XXXX, XXXX sent me an email on on XX/XX/XXXX with the total amount of {$1000.00} plus my monthly rent of {$1200.00}. This amount had to be paid by or before XX/XX/XXXX. When I went to their website to make the payment I had the final amount of {$2100.00} which was paid in full on XX/XX/XXXX. 
Months later I get a notice that I am in collections due to me not paying The XXXX, I reached out to the apartments. Spoke to a young lady at XXXX who asked for the supporting documents. Those were emailed on XX/XX/XXXX. I called the following day on XX/XX/XXXX after the manager reviewed the documents, spoke to the manager who then stated it was reviewed and she apologized for the error on their behalf. Turns out the apartments were under new management and I paid the amount to the other management company, but to not worry and the mistake would be situated by her team. I have since, received another decrease in my credit score as on XX/XX/XXXX, which to me indicates it has not been situated. My score went from XXXX to XXXX.
Consumer complaint received 2022-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Climb Credit Inc. (NY)

I am the co-signer of a loan that my husband took out. Due to XXXX, I contacted Climb XXXXXXXX XXXX to pause payments for a couple of months due to being out of work. Since reactivating the payment plan, we are unable to make payments due to an issue on their side. We have contacted them upwards of 10 times trying to resolve this issue as it is severely affecting both mine and my husbands credit, but we are constantly being told that someone will call us to follow up, and nobody does. From the information I have gathered, they have sold our loan to another company who is out of state and therefore can not legally accept payment from us. We need this issue resolved ASAP as my credit has plummeted due to their lack of help and responsibility in this situation. We owe approximately {$7000.00}.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am highly concerned about recent practice that Capital One has put into place. I asked my daughter to make a deposit into my account as I was unable to make it to the bank before they closed. Upon her making the deposit they requested her identification and social secuirty number - all this to make a deposit of 4 checks and cash, the total being less that {$4000.00}. When my daughter pressed to understand why they are asking for such information for a deposit, she was told that it was a new federal law to ask for Identification and SSN for a deposit. If she did not provide such information that the deposit would be rejected. When she relayed this to me, I immediately knew that this was not a federal law, it was more of a bank rule to safeguard againt check fraud. My concern with this is what are they doing with this information, especially the SSN. Are they mishandling non-client information for personal gain? One has no idea. That is very concerning. Futhermore, the inaccuracy of this being a federal law is ridiculous, and a compete lie that they are informing customer and non-customers alike.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now. nobody helping me and XXXX XXXX XXXX XXXX XXXX no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-09-26
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. (AL)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on Equifax, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services Call on XX/XX/XXXX to report error of curtailment. Told 3-5 business days Call on XX/XX/XXXX to determine why curtailment was NOT fixed. Told it was actually 15 business days and that XX/XX/XXXX, it would be fixed Call on XX/XX/XXXX, to determine why it was still not fixed. Was told the VP had not approved it yet. I asked to speak to a manager. Was left on hold for over 30 minutes with no answer. 

Date account was in forbearance : XX/XX/XXXX Normal Monthly payment during the forbearance : {$1100.00} Total amount due at end of forbearance : {$13000.00} Total amount paid : {$13000.00} Amount overpaid : ( {$21.00} ) XX/XX/XXXX Curtailment {$1000.00} applied by Carrington Mortgage in Error XX/XX/XXXX Payment of {$76.00} ( amount told needed to bring the account current ) Amount not properly applied : {$1100.00}
Consumer complaint received 2022-07-28
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. (CA)

My personal information was stolen and the Equifax Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's Equifax XXXX and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report Equifax 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 XXXX XXXX XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP (TX)

Bank of Texas put my account under review client protection and blocked me from using XXXX and I had used my account regularly and normally, I don't know what will be the reason that cause my account got blocked and can not used zelle too. ( XXXX got blocked )
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (WA)

XXXX claims I owe on a Barclay card from XXXX. The only Barclay I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call XXXX I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX  card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. 

I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History.

I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

In XXXX of XXXX I requested a forbearance from my lender ( Flagstar Bank ) due to financial ssues I was facing because of Covid 19. The process for applying for the forbearance was promoted on the Lenders website and was a extremely simple process with no questions asked except whether I was facing a financial hardship. Once that question was answered there was no other follow-up questions. The forbearance began and was originally meant to go 6 months. Later they offered to extend to a full year. One again no questions asked. I accepted because all along I was told that when the forbearance ended they would work with the restructure the loan and that I would not owe the amount accumulated during the forbearance. In XXXX of XXXX I called to end the forbearance and begin the process of restructuring the loan. I was told to submit a loss mitigation application and they would review it and call with the details of the restructure. After about 2 weeks they told me they couldn't help me because I did not occupy the property. The home is used as a rental. They explained that the investors guidelines for my loan type do not provide loan restructures unless I occupy the home. I was never told this when I began the forbearance. I was never asked any follow-up questions when I set up the forbearance nor any time during the forbearance about whether or not I occupied the property or if it was a rental. It wasn't warned on their site that some loan types are not eligible or that renting the property was an issues for some loan types. I would have never began the forbearance and accumulated this unpaid mortgage amount if I had known or was asked those questions. They have told me there is nothing I can do. They did extend the forbearance until XXXX so I could find some potential help. Hud.gov has also given me no solutions. At the end of XXXX I will have the entire accumulated amount due if there is no other options provided. This will likely lead to a foreclosure in the coming months. I owe roughly {$11000.00}. 

My complaint is that was never told this was an issue when I began the forbearance nor was it even a question asked online when I set up the forbearance. How could I have known that was an issue? Their website all says that there is no risk in setting up a forbearance and that they " There to help ''. It was misleading and now I am in an extremely difficult situation.