davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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 (NY)

I applied for a credit card with capitalone at https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ SavorOne Rewards from Capital One Unlimited Rewards Earn unlimited 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. 

New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$1000.00} on purchases within the first 3 months from account opening Low Intro APR 0 % intro APR for 15 months on purchases and balance transfers ; 19.74 % - 29.74 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months Annual Fee {$0.00} i was approved. 

I received an email with general apprval information and link to create an online account. Upon downloading paperwork i noticed that i was receiving A DIFFERENT CARD- the savor ( not savorone ) with a XXXX dollar annual fee i called the number on the website linked XXXX. They said there is nothing they can do. They told me to call new accounts at XXXX same response and different number provided to try for the applications department - XXXX i was told that if i wanted to get the card that i applied for, i would have to close the account i was approved for and re-apply but probably wouldn't get approved since it was so close in time to the prior approval. They told me that i would be getting a XXXX dollar charge as soon as i activated the card. 

so, my credit score was hit bc i chose to apply for a specific card. They approved me for " a better '' card because my credit score qualified me for the best in the savor line. This was automatic, they said. I applied for a no annual fee card, they signed me up on an XXXX dollar annual fee card. 

i have a screenshot, in case they change the landing page at the website address.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Consumer complaint received 2023-08-02
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. (NJ)

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (PA)

the employer information is wrong I have been with the same employer since XXXX  and never report it. 
someone put realt mark associate this is a wrong reporting information please remove
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (GA)

I had a bank account at Suntrust 2 years. This bank was bought by Truist Bank.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to XXXX XXXX XXXXXXXX XXXX XXXX They should not have made this incorrect charges/errors. The ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (PA)

I recently got married and underwent a name change. I had contacted the company various times to change important info on the account ... because I had change my name and info with the bank I was paying my car loan through. The service department gave me a number to call and it rerouted me to the same department where I got the same answers. I was a victim of identity theft so because I had change my name the bank would not allow automatic payments to process as a safety measure. As I contacted Ally Financial several times I was refused information pertinent to my account. At this time I was high risk. The company stated I needed to fax over documents. I asked if I could upload it to the app so they can update the info onto my account. They refused, after months of failed attempts and failed automatic payments I uploaded it to the account anyway and the info was changed. I offered to get on a payment plan to catch up with payments, the company refused even though it was there fault. My lawyer tried to reach out several times to their legal dept to no avail. My husband and I were in two separate locations at the time and I was waiting for my lease to be up XX/XX/2023. I went to stay with my husband to await the birth of our daughter. They attempted to repossess the car on 3 separate occasions without any cert mail applicable by PA State Law. I offer to pay via phone with debit card instead of ACH and the refused the payment. Ally Financial stated I had to pay via XXXX XXXX or XXXX XXXX. I expressed that in the contract it did not state this method of payment. I requested that the fees associated with be applied to the balance, they company refused. I expressed again that the only way I would pay the balance would be with debit or ACH the company refused payment.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

My loan was transferred to a new servicer without the legally required 15 days notice. I was notified via TEXT MESSAGE on XX/XX/XXXX that effective XX/XX/XXXX ( 14 days later ) that my mortgage would be transferred to a new servicer. This is a clear and blatant violation of title 12. Specifically 12 CFR, section 1024, paragraph 33 ( b ). The contents of this notice were also missing sections 2-6 as outlined below, thus making the notice invalid. 

( ii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferee servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iii ) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferor servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries ; ( iv ) The date on which the transferor servicer will cease to accept payments relating to the loan and the date on which the transferee servicer will begin to accept such payments. These dates shall either be the same or consecutive days ; ( v ) Whether the transfer will affect the terms or the continued availability of mortgage life or disability insurance, or any other type of optional insurance, and any action the borrower must take to maintain such coverage; and ( vi ) A statement that the transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

My Credit report shows XXXX addresses connected to my name that I've never lived at. The company that reported this address was a result of identity theft. I filed several disputes about this to the credit agencies, and they all say they will continue to report this because the creditor reported this as being my address. I've never lived in XXXX XXXX in my life, and the only place in XXXX I've lived is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I need all inquiries on my credit that were placed within the last XXXX years REMOVED as my ssn was attached to several credit breaches And I need my XXXX XXXX XXXX loan status changed to PAID IN FULL, ON TIME and for the XXXX off " status on the account removed. I paid over XXXX on my XXXX XXXX XXXX on time, in full and EARLY. 

I also need the XXXX collections being reported on my credit REMOVED as they are also attached to accounts that don't belong to me, and that I've previously filed FTC identity theft reports about.
Consumer complaint received 2023-05-22
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

In accordance with the fair credit reporting act RBFCU has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may n
ot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you and please let me keep me updated on the complaint outcome.
Consumer complaint received 2023-04-18
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: DISCOVER BANK (GA)

A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes.Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because I am interested in XXXX my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check before applying for federal student aid. I have filed a dispute with XXXX XXXX and XXXX. 

All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with Exhibit to FTC Affidavit Page, are fraudulent. 

What bogies me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), Ive been receiving weird, unknown calls. 

I have also filed a complaint with the CFPB. 

I am willing to prosecute.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (CA)

To Whom It May Concern : Diversified Consultants, XXXX, first called me last month stating I owed an outstanding bill with XXXX XXXX XXXX that they were trying to collect on for them. I let them know I did not owe XXXX XXXX XXXX any money. The Collector stated I owed over {$400.00} to them which also included a termination fee. I let her know if I owed XXXX XXXX XXXX money, then she would not be getting through to me on my phone. I let her know I was calling XXXX XXXX XXXX and she tried advising me not to call them because they would only direct me back to them, so she put me on hold. I hung up on her and, immediately, called XXXX XXXX XXXX and submitted a complaint with the XXXX XXXX XXXX Representative, who saId XXXX XXXX XXXX has its own accounts receivable deparment when collecting and she the XXXX XXXX XXXX Representative said I did not have any outstanding balance with XXXX XXXX XXXX. The XXXX XXXX XXXX Representative was going to submit this to their fraud department. 

Then, today, I get another call from XXXX, at XXXX XXXX demanding I pay the debt. I let her know I confirmed with XXXX XXXX XXXX that I did not owe any money. She said I owed it and that she was going to let XXXX XXXX XXXX know I refused to pay it. I let her know to go ahead because I already filed a complaint with XXXX XXXX XXXX against her company and I was notifying the CFPB because I do not owe XXXX XXXX XXXX any money. I hung up with her and, immediately, called XXXX XXXX XXXX and talked directly with XXXX, in their fraud division, who was going to intervene to get this company to stop harassing me because I have a XXXX balance with XXXX XXXX XXXX. 

XXXX XXXX had no right calling me again, when I told them not to call me and that I did not owe them any money. They had no right trying to prevent me from calling XXXX XXXX XXXX to verify the balance, which I did not owe. 

Please tell XXXX XXXX to never call me again and to never harass me again. Tell them I do not owe XXXX XXXX XXXX a dime and that they had NO right trying to prevent me from contacting XXXX XXXX XXXX. They had no right trying to force me to pay a debt without allowing me to first verify it with XXXX XXXX XXXX. 

Please tell them to refrain from contacting me and that I do not owe them a dime! It is harassment. 

Thank you in advance for your time and consideration. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the info
rmation required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-21
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. (VA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Mediation (TN)

XXXX / XXXX / XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call American mediation with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
Consumer complaint received 2022-12-09
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX or so I contacted the collections department to see if they would waive the last payment of the loan. The person in collections had to transfer me to a different department I think it was settlements, I don't recall. I was told because the amount of the loan is less than what the car was worth the money could not be waives. I made a comment that I will have to make the payment whenever I have it and disconnected the call. I has this loan for 72 months NEVER had a payment reported late, amazingly after disconnecting the call, I get a hit to my credit for late payment. I did not see this on credit until after I paid the vehicle off which was actually the NEXT day after speaking to the gentleman. That late payment brought my score down XXXX points.
Consumer complaint received 2023-10-06
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: EGL US, LLC (FL)

XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX placed a collection on my credit report to all three bureau 's. A total of XXXX saying that I owe it to BMG money. Who has been listed as a charge off. Since XXXX. When in reality it was XXXX. Come XX/XX/XXXX. Absolute resolution ( debt buyer ) listed XXXX for BMG money. This is double reporting as I only had one loan with Bmg money and haven't heard from them since XXXX. This is creating a lot of damage to my credit as I am trying to rebuild.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are 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