davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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 (NC)

Capital One enticed me to obtain and use their card with the 'use your points to travel on any airline at any time ' / 'XXXX XXXX card '. This is false advertising. My flight was canceled due to COVID and I have a travel credit of {$1000.00} for XXXX XXXX. I tried to book a new flight on XXXX and add my children to the itinerary to use the full credit. Any credit not used by XX/XX/XXXX in a single transaction is forfeited to Capital One ( they keep it ). I was told I couldn't add my children to our flight- this leaves approx. {$500.00} left for Capital One. I was also told I couldn't split the credit up for two flights- again losing a {$500.00} credit. I was told they had to have their own itinerary- they can't- they are XXXX and XXXX XXXX XXXX. Please know, this is not the case for the XXXX XXXX credit card ( I had another flight using their points that was also cancelled due to COVID ) - all the points went back into my account and I could book new flights when I wanted and for my children. These multiple restrictions are making it impossible for me to use my full credit. Also, when I called, I was hung up on, put on hold and then hung up on, and then put on hold forever to 'find my account ' ( that I had already given to XXXX other people who found it very quickly ). 

Marketing a card with " unlimited miles you can actually use '' ( a quote prominently displayed on their webpage today ) is false advertising and misleading when excessive restrictions are placed on use. If i knew this, I would never have gotten this card. 

In addition, Capital One has 'redone ' their travel website and no old flights or credits are on it and they are not easy to find. If someone isn't tech savvy enough to find the old site or if the credits were forgotten about since COVID started ( hey, a lot has been going on ), one wouldn't even know they were still there and Capital One keeps this as profit ( not paying out a benefit ). 


Between the very difficult customer service and the severe restrictions, I believe CCapital One is using this to reduce expenses and increase p profits at the consumer 's expense. Please see how much they are keeping overall in 'forfeited credits '. 

to Remove from any Posting : XXXX XXXX Flight  XXXX XXXX XXXX from XXXX XXXX to XXXX Trip ID Number XXXX Calls to resolve this to XXXX from XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I filed an initial complaint to receive debt verification including an original creditor agreement as well as proof of a breached contract from PRA on XX/XX/XXXX. On XX/XX/XXXX I received an addition letter from PRA that included an alleged corespondance from XXXX that I have never seen, nor did it match any address I have been associated with. PRA failed to provide the requested contract mentioned above, nor any proof of a breached contract. A second request for an original creditor agreement as well as legal proof of a breached contract was sent to PRA on XX/XX/XXXX. Despite these attempts, Portfolio Recovery Associates , LLC failed to provide legal verification of any alleged debt. Since the requested information was never received despite PRA having ample time to provide such information, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-11-16
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. (TX)

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my EQUIFAX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in ERROR.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (FL)

At the offices of Rooms to Go in XXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into Synchronys system without providing me an opportunity to review the data. Synchrony issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my XXXX credit report. I have attached a photo of the Rooms To Go credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my XXXX and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming XXXX, Synchrony Bank, Rooms to Go and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Contacted Trans Union information is incorrect on a debt collection which is and has been placed under chapter XXXX Ref. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This debt was included as a charge off and listed in chapter XXXX XXXX with XXXX XXXX out XXXX XXXX XXXX XXXX WI. 
Note : The State of Wisconsin Reached out to this Debt collection service, the business is no longer in service. Please remove the incorrect data. 

Request an investigation into why this information is not being corrected.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-15
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. (CA)

On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-12-31
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. (NY)

I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent late payments reported on my credit report from creditors that I have been in forbearance with due to a financial hardship caused by COVID-19. I provided proof that i was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Transunion to investigate and remove the late payment reporting error from my consumer credit report. 30 days later I received an update that all of the payments were verified by the creditors. I called back for the proof or documentation that differed from mine. The rep from Transunion simply told me it's verified.
Consumer complaint received 2022-07-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.
Consumer complaint received 2021-09-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

i have these accounts that are not mine and i want them to be removed.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Consumer complaint received 2022-07-15
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Consumer complaint received 2022-07-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX I entered the Covid 19 disaster forbearance with my mortgage servicer, XXXX. As part of the program from them it stated that as long as I was in good payment standing ( which I was ) at the time of starting forbearance, there would be no late pay reporting to the credit bureau while in the program. XXXX honored that and did not report me as late. In XX/XX/XXXX, I started a loan modification program with XXXX which was an option of the program to catch up my missed payments. I had to make XXXX trial payments and then they would permanently modify my loan. I made my first trial payment in XXXX. In XX/XX/XXXX, my mortgage servicing got taking over by Shellpoint Mortgage. I spoke to loss mitigation with them and explained to the agent I was in the process of a loan modification with XXXX and made XXXX  trial payment so far. I sent the agent my modification offer from XXXX and the agent said they would honor it. I proceeded to make my next two trail payments and I was offered and completed a loan modification in XX/XX/XXXX. 

In XX/XX/XXXX I checked my credit report and Shellpoint had marked me as 180+ days late in XXXX when they just took over my mortgage and I was in good payment history with XXXX a month before. My credit score has dropped from a XXXX to XXXX. This is very bad since I work in the financial industry and they check credit scores. I can't get good financing anymore. This could possibly ruin my career! In XXXX they again reported 180+ days late to make it even worse. 

The late reporting is incorrect because I was to be protected because of the Covid forbearance. The late reporting needs to be removed immediately because it is incorrect. Also, they report that I started with them on XXXX of XXXX which is incorrect and needs to be corrected to XXXX of XXXX. Please help me get this corrected. 

Also, Shellpoint offered me a certain modification offer in XXXX and everything was signed and submitted and booked. I got an email saying it was complete. Now they are saying it was wrong and trying to undo the modification. Can you please make sure this is ok? Thank you in advance for your help.
Consumer complaint received 2022-02-11
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. (SC)

XXXX I called Experian spoke with XXXX in the consumer affairs department. To have student loans removed under Chapter 41 Title 15 UDC 1681b. Also have XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX Experian is violating and denying me of my federal protected rights and will not allow me to dispute.Nor have they provided me with the audit trail of how they verified these alleged debts.A direct violation of Title 15 USC1681 ( i )
Consumer complaint received 2021-09-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. Experian and XXXX respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither Experian or XXXX have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than XXXX.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Checked my credit report to find a charged off account. Disputed it, but XXXX XXXX Capital One will not help. Capital One apparently sent it to a collection agency & XXXX XXXX  has been rude & nasty to me. No one will help.
Consumer complaint received 2023-11-03
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. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.