davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX 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 XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

XXXX XXXX XXXX states I owe XXXX $ on a XXXX XXXX contract that I have never had. I have tried to reach out to this company on several occasions and ask for verification of debt but they would never provide any information, they only want payment or threaten to involve lawyers in which I quickly tell them to do so. I have been a XXXX XXXX subscriber for 11 years and my bill has never been behind nor have I ever been associated with any phone numbers other than the XXXX I have.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/18 I opened a Capital One 360 account using the promo code XXXX. The terms and conditions clearly stated that in order to be eligible you would have to deposit at least {$50000.00} into your account. There are no terms outlining a requirement of a {$50000.00} balance or a single deposit totaling {$50000.00}. The terms and conditions of the offer can be found at : https : //www.capitalone.com/savings500/. 


Between XX/XX/XXXX and XX/XX/XXXX, I made deposits of {$11000.00}, {$15000.00}, {$15000.00}, {$10000.00}, and {$1100.00}. These deposits totaled {$52000.00}. 


On XX/XX/XXXX, I reached out with a representative via Capital One 's online chat service. He assured me that I did meet the qualifications of the bonus, and that it would post 60 days from XX/XX/XXXX, which would be XX/XX/XXXX. I have attached the transcript of that conversation. 


On XX/XX/XXXX, I reached out to Capital One 's customer service telephone line to check on the status of my bonus. On my phone call, I was told that they could not honor the bonus. I politely asked to escalate the call to a manager. The manager once again told me that she could not post the bonus. I read the terms to the manager from their website, and she acknowledged that the terms and conditions did not state a requirement for a {$50000.00} total balance. She said that their marketing team had since updated the terms for future offers. She said that while it was not in the terms and conditions, it was " The spirit of the offer '' to only post to accounts holding total balances of {$50000.00} I politely explained to her what the representative told me in XXXX about the account being eligible. She then put me on a brief hold, and offered to post a {$100.00} bonus. I politely refused, and hung up. I believe Capital One knows that they did not put this stipulation in their terms and conditions, and is know refusing to post the promised bonus.
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I need your HELP : MIDLAND BROKE THE LAW! ! On XX/XX/XXXX I sent certified mail to MIDLAND CREDIT MANAGEM of tradeline XXXX of alleged debt XXXX due to their actions in violating my consumer rights and FDCPA Laws by parking the alleged debt on my consumer reports without proper notification and verification. The violations committed against me negatively affected my position to apply for a mortgage. Despite the FTC has already taken enforcement action against a debt collector parking debts on credit reports without notice to consumers, Midland has blatantly committed deceptive acts in passive credit reporting or parking instead of active collection efforts like phone calls and letters. Midland the collector furnishes negative information to the XXXX, XXXX, and XXXX without ever attempting to contact me about the alleged debt but only waited until I the consumer discovers the negative information upon my intent to apply for a mortgage. Midland also ignored the CFPBs new debt collection regulations, effective XX/XX/XXXX that requires notice to consumers about an alleged debt before the account can be reported to CRAs. Midland played delayed tactics in only sending me correspondence which I attached to with respect to legal threats and used another unknown address which is not my consumer reports- see exhibits attached. ( another violation ). To date, Midland has not yet acknowledged the communication of certified mail attached.
Consumer complaint received 2022-07-23
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. (TX)

I submitted a letter to the XXXX and Experian Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX, I opened Citi Priority savings and checking account online with a {$1000.00} deposit into the checking account number. A week later I received an email that my accounts were locked and closed. After several phone calls over the 6 months communicating with XXXX, XXXX, XXXX, and XXXX in New Account Fraud, each time I complied with the Citi requests to provide them with my IDs ( DL and passport ) and my mailbox rental receipt to prove my ownership of address on file, Citi refused to refund my money. Additionally, Citi admitted in writing that they violate Patriot Act by opening my account without a physical address. It is incumbent on CITI to know and enforce banking regulations CITI can not violate the law to take money but then hide behind the law to refuse to return it. Due to Covid-19, people are facing hardship. I need to access my money to pay bills. Having no faith in getting in any resolution from Citi for 7 months, I would like Citi to return my money. 
I also filed a complaint with the OCC on XX/XX/XXXX and on XX/XX/XXXX, received an OCC resolution letter that Citi will mail me the check to the address on record. However, after several emails and phone call starting from XX/XX/XXXX ( over 30+ days ), Citi has not responded to me except sending me generic emails informing me that this matter is being investigated. Each time Citi exceeds its own deadline of 15 days to resolution. I have no faith in Citi and I watnt to file a complaint with CFPB.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

The company's/TD Bank 's response to our previous complaint with the ID no. XXXX is evasive, non-responsive to the issue raised, i.e. our request/application for rate of interest modification/reduction wrongfully denied, as it has been thoroughly explained in our complaint. 
In its response, received on XX/XX/XXXX, without answering the issue, TD Bank advises us seek further assistance from its Customer Service Team and the local branches. Upon calling, and visiting the local branch, as directed, on XX/XX/XXXX, and XX/XX/XXXX, we have been told that the rate modification program no longer exists. 
How convenient for the " most convenient bank in America '' that provides " legendary service '', as it constantly advertises, to avoid providing a basic service for its customers!! 
We hereby reiterate our request for a modification/reduction of rate of interest
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (IN)

On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX  and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX  who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX  opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2018-12-11
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: Ad Astra Recovery Services Inc (CA)

Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Consumer complaint received 2021-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX I reached out to Amerisave Mortgage Company to refinance my home. I google some of the companies that had decent reviews and options that seem to fit my needs and began the process. XX/XX/XXXX XXXX credit inquiry reported Amerisave Mortgage Company pulled my to refinance my current mortgage. We started the process in late XXXX and I have still not completed the process of today XX/XX/XXXX, this is going on 3 months. 

My credit was pulled 2 additional times after the first inquiry. I was told that I did not qualify for the first 2 options that were conventional loan. My only options would be FHA loan. I was originally promised that I would not need an appraisal and my initial payment would be refunded. Now I am told it will not be refunded or go toward closing but instead it was payment for the appraisal. I have been in my home for 3 years, it has increased in equity XXXX with not late payments of fees. 

I provided them with all document and information as requested including XXXX, XXXX, banking and employment W2 's. I am being told now that 3 months during the XXXX pandemic when the world was shut down a gap in employment does not provide 24 months of employment history. I advised them of all this information early in the application phase via phone, email and web portal but continued to string me along now I am being told I need to bring XXXX dollars to closing and show proof of employment for those 3 months. There original attraction was no closing cost or appraisal fee which was part of the reason I applied with Amerisve Mortgage. 

Currently I am out XXXX dollars for appraisal fee, XXXX dollars supposedly due closing cost, I am back into an FHA mortgage with PMI insurance. I have no closing date and they are still requesting employment history because of 3 months during pandemic. I have worked in construction industry for XXXX years and have never been late on mortgage or missed a payment including during the pandemic. 

Technically I am paying for inadequate service with no result or end insight. I attempted to switch to another refinancing company but was told that would not change the outcome it would be the same issues because all underwriting have my information since I started the process with Amerisave and my options limited. Currently I like I am in an endless loop where the target continues to move with no end in sight. I have send email and required to speak to supervisors or underwriting ; No change or help with resolving my issues. This is completely unprofessional in my experience and do not know how to accomplish my goal o reduce payment and take advantage of lower interest rates.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

I am currently in a forbearance with Shellpoint mortgage servicing due to a Covid hardship. My loan is owned by XXXX XXXX. I am looking to end the forbearance plan. I qualify for a flex modification per XXXX XXXX guidelines. I have asked Shellpoint multiple times to provide me with a rate reduction and term extension. They have offered a term extension but not a rate reduction as required by XXXX XXXX for a flex modification. Shellpoint has ignored the fact that XXXX XXXX owns my loan. I made a specific request for a rate reduction per the guidelines from XXXX XXXX. The response is that their investor is not offering a rate reduction. This decision is not up to the investor, it is dictated by XXXX XXXX rules and regulations. The email chain and sequence of events are too much to post here. I can follow up with details. Thank you.
Consumer complaint received 2021-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX I completed an auto lease with Kia Motor Finance ( via Destination Kia in XXXX, NY ). I thought all was fine, until in XXXX I received a letter from Kia Motor Finance saying that I was {$350.00} delinquent for a last payment that I owed. I immediately called KMF and was told if I paid that debt that day it would not be reported as late to the credit bureaus. 

I did pay it that day, in full, and again thought all was fine. The next month ( XX/XX/XXXX ) I viewed a couple credit scores to see that my score had dropped over XXXX points. I pulled my full reports and saw that KMF did in fact report me as delinquent despite having paid the obligation in full. I at that point also filed a dispute with Kia directly and a month later I have not heard back. I have tried to call their collections and customer service departments and with both numbers get a message saying " this number is not working at this time. '' I also filed disputes with the two bureaus where this shows up XXXX XXXX and XXXX XXXX and XXXX told me as of XX/XX/XXXX KMF still says its an outstanding debt and open line. So I now have two months worth of erroneous delinquent payment marks on what was stellar credit before. 

I don't know where else to turn -- neither KMF nor the bureaus are willing to help. I have fulfilled the obligation and want this off my credit report.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-20
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: Experian Information Solutions Inc. (TX)

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020
Consumer complaint received 2022-04-06
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. (CA)

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as Experian, XXXX, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.