davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (TX)

In 2018 a property management company sent a fraudulent debt to a collection agency. The apartment complex never sent me a statement, but rather sent it directly to the collection agency. I sent a certified letter to Experian asking for them to investigate the matter and remove it from my credit report. Within XXXX hours Experian came back and said that the debt was accurate, showing that it was not investigated. XXXX XXXX and XXXX have already removed the fraudulent charge. The collection agency can not prove this debt, because it is not valid. The collection agency is XXXX and the fraudulent amount reported is {$1000.00}. I feel disappointed that XXXX XXXX and XXXX did their due diligence and actually reviewed my dispute, but Experian chose not to. The collection agency needs to prove this debt. This is highly unethical.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tri-State Adjustments, Inc. (MI)

back in XXXX of XXXX, I was living in my friends garage in XXXX XXXX, they kicked me out, and made me homeless XX/XX/XXXX. Before that, I had XXXX XXXX, and was in XXXX XXXX XXXX in XXXX XXXX & they sent me home with the XXXX XXXX and carrier on wheels. Prior to being kicked out of the garage, I knew I had to return the equipment, and did try to return it, by phoning the delivery man, that dropped it off, he was supposed to pick it up, but never did, so the day I was kicked out & made homeless, I was forced to leave it at the address of XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX, USA. That very day I was kicked out of the garage, I suffered XXXX XXXX & was hospitalized, and then when released from the hospital, I had to live in a XXXX   XXXX  for 4 months, in XXXX, Michigan, called the ' XXXX XXXX " at XXXX XXXX XXXX., XXXX, Mi., Phone : ( XXXX ) XXXX I have explained all this, months ago, to a representative at XXXX XXXX , that I also am living on XXXX. and have suffered quite a hardship, they told me, they were going to write it off as lost, and as a loss, and that I would not be having any more collection agencies calling me, and that they would wipe this amount off of the bill. I explained this back last year in XXXX, XXXX.,  and again today XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.
Consumer complaint received 2022-10-13
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. (FL)

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXXGLELSI, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to XXXX, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Consumer complaint received 2024-02-18
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. (FL)

I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-14
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)

Hello, I have the unfortunate news that Capital One has decided to to bait and switch me as a customer with their signup offer. I applied for a Capital One Spark Card on XX/XX/XXXX, which was the final day of the Spark offer in XXXX, application must be submitted by XX/XX/XXXX. The signup bonus was for XXXX points after {$5000.00} spend in the first three months and an additional XXXX points. I am not being told that because I was not approved until the next day that they will not honor the terms of my application. I was never denied for the card and this all occurred under my original application. I would like to report this flagrant bate and switch by Capital One and their unwillingness to honor the terms of their agreement after many phone calls where I presented them with this opportunity. 

Terms of Signup at time of application : Capital One Spark Miles for Business. Earn XXXX miles when you spend {$5000.00} on your card within three months of opening it. You'll get XXXX bonus miles when you spend {$50000.00} in the first six months. 

Offer I ended up receiving XXXX miles points after XXXX spend within three months. 

Here is a link to a blogger summarizing the expiration date and terms of the offer : https : XXXX https : //www.businessinsider.com/last-chance-capital-one-spark-business-card-offers Attached is a screenshot of my application confirmation email and the approval email on XX/XX/XXXX. That approval email on the XXXX was my first indication that they had something incorrect with the signup bonus. 

I called immediately on the XXXX to discuss what had occured and they told me to wait until I received my credit card so that they could ensure the account creation. I waited and once I received the card I called back on XX/XX/XXXX, they escalated the case and as of XX/XX/XXXX they had decided not to honor the signup bonus. I followed up with Capital One XX/XX/XXXX to try and discuss it and was told they had no one to escalate the case to as it was final. 

I am concerned with the ethical behavior of Capital One and it makes me concerned to do further business with them as this is a very simple and straightforward signup case that they will not stand by. I can only imagine how they may choose to do business in the event of a much larger transaction issue. I believe consumers need to be aware of their business practice of bait and switching signup offers.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (DE)

Hello this is the XXXX time that I've tried to get the collection companies to verify and check to see that these companies are correct and if not correct to be taken off of my account. I don't know where they got some of these companies from but here they are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know who these companies are so I would expect you to verify these accounts and check them. If these companies can't be verified then delete them from my account at once.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both TransUnion and XXXX have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.
Consumer complaint received 2022-11-07
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. (FL)

On XX/XX/2022 i received a derogatory mark on my credit report from XXXX, equifax and XXXX regarding a late payment from a XXXX account. I then proceeded to call the bank and the credit reporting agencies but was led nowhere regarding the situation. I then mailed out a letter on XX/XX/2022 and XX/XX/2022 to both the lender and reporting agencies letting them know they were in violation of my consumer rights. They've only updated the account since then and no further action was taken place. 

15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b ( a ) ( 2 ).

( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.

I didnt not give this company written instructions to furnish anything to my consumer report, let alone Late payments. I did not authorize or grant verbal or written permission for them to report my personal information.

I also did not receive the option to opt out from consumer reporting. Companies are suppose to give you the option to opt out from credit reporting. I wasn't properly informed of my rights nor wasn't told about my option to opt out of credit reporting prior to the end of the 30 day period. They are suppose to tell me this before the item is reported. They are suppose to provide me with clear and conspicuous documentation that gives me a clear overview of what my rights is in terms of credit reporting.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-12-18
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. (NY)

Good evening! 
I be receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update to reporting all positive information On time payments delete collections as well Accounts : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX open date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX opendate XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX open date XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general as well thank you.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.
Consumer complaint received 2023-04-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-17
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. (LA)

XXXX CONSUMER REPORT VIOLATIONS ON ONE TRANSUNION ACCOUNT. RE : XXXX TRANSUNION ACCOUNT, TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One credit company advertised to offer me credits card without checking my credit or affecting my credit and if I qualify they give me a credit card and they did give me the credit card. But after my first payment I checked my credit report and found out that they did indeed checked my credit score and affected my score significantly within a month and half. I would like Capital One to correct the negative report on my credit report. And also, l would like Capital One to never again check my credit report. Because by Capital One checking my credit it has caused me credit harm. I demand Capital One to rectify their action that negatively affected my credit score.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

RE : Claim # XXXX XXXX XXXXMastercard Trip Delay on XX/XX/2019 The credit card offers a reimbursement of {$300.00} for a trip delay that I experienced at XXXX XXXX XXXX on XX/XX/2019. 
I have submitted all requested documents to the rep, XXXX XXXX, who is being extremely difficult. 
I have forwarded him several notices from XXXX XXXX advising of the trip delay. He continues to request more info every time. XXXX  has called me and told me they can not provide anything more. Furthermore they have never experienced anything like this when such requests came from past customers.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Consumer complaint received 2022-09-13
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. (IL)

I been having problems with all three credit bureaus they keeping my credit score low they not adding the bills on correctly I paid all my bills on time I spent {$6000.00} clear up old debt I never went no higher than XXXX when it's time to boost they will disconnect my credit card from the account when adding the card back on the account the bill that supposed to get boost is add in with the others bills that was already add to the account so I get no boost points I call several times speak to the same person who always hang up in my face my score should have been XXXX by now please help stop the abuse from these credit bureaus especially Experian please help
Consumer complaint received 2023-04-10
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 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX