davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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 (MI)

I applied for a basic credit card to reestablish my credit after my bankruptcy. Over time I have built my credit up with Capital One. One day they sent me an email stating that Ive been a great customer and would like to offer me an upgrade of my current card. When you click the link it takes you to Capital One. This is where you can compare cards and offers. I switched my card from the basic one to the Venture One card that was no annual fee, spend XXXX in 3 months get XXXX bonus miles, and 0 interest for 12 months. So over XXXX I spent over the XXXX  and waiting for the rewards to show up on the next statement. To my surprise I didnt see the rewards or the interest savings. I called and they told me that its for NEW accounts only and not for upgrades. It is very misleading considering there was not a benefit for me to change at all. Based on my account history and restoring my credit, I have been very diligent with making sure there are no issues. I have screen shots of the email and screen shots of the card description. Its very misleading
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My original Experian incident # is XXXX which was opened on XX/XX/2022. On XX/XX/XXXX I called to request an update on this case and I was told that my original ticket was closed the same day as it was opened, with no changes made. I therefore ordered a new ticket # XXXX with priority escalation to IT support, and a specific notation added that the new ticket can not be closed without my express consent. As documented in both formal complaints above, the Experian credit freeze web login portal is stuck on the 'accept our updated terms and conditions ' page which I am unable to move beyond, even after I have viewed/downloaded all attachments. This issue has been replicated in XXXX XXXX and XXXX XXXX, on multiple PC devices. Thus, this can not be a PC or browser issue. Experian needs to fix their system to allow me to log in and work with my credit reports/freezes as needed. Phone-only access is not sufficient for my needs. The personnel assigned to the original ticket also need to be disciplined for their incompetence and lack of professionalism, with consequences up to and including termination.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation (LA)

For the last year I have received repeated calls from a XXXX XXXX XXXX. This company has used threatening tactics, extreme robocalls, and contacted family members despite my telling these reps Do Not Contact me, my workplace, or family members. I have asked to have paperwork stating that I took a loan with them but each person refuses. This morning, I have a message on my voicemail from a woman stating that she is coming to my house tomorrow morning, XX/XX/2019, and I had better be there. She actually read my address aloud. These people are contacting my family members as well. My XXXX   daughter  has a XXXX   XXXX and although she has said not to contact her, she continues to receive phone calls. This triggers extreme XXXX XXXX and setbacks.
Consumer complaint received 2018-10-03
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. (DC)

In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. XXXX. 
I am a member of XXXX since XX/XX/XXXX. 

When I applied for a Auto Loan with XXXX, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %. 

It was not affordable to me. 

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by Experian. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a XXXX  XXXX in XX/XX/XXXX in XXXX XXXX XXXX for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for XXXX XXXX XXXX XXXX. 

I request XXXX to remove second unjust hard inquiry for auto loan.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Transunion, I am writing to dispute the inaccuracies on my credit report that is currently being maintained by TransUnion. I recently reviewed my credit report and was extremely disturbed to find several inaccuracies that are having a negative impact on my credit standing and financial well-being. 

I have attached a copy of my credit report for your review, and I have highlighted the inaccuracies in question. Specifically, I have found the following inaccuracies : Please see attachment with the list of inaccuracies I respectfully request that you conduct a thorough investigation into these inaccuracies and remove them from my credit report as soon as possible. I have not authorized the reporting of this information and I am confident that it is not accurate. 

I would also appreciate a written explanation of how these inaccuracies ended up on my credit report and what measures TransUnion has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to hearing from you soon about the resolution of my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations. 

On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully. 

I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated. 

XXXX XXXX, supervisor refused to get on the phone or have any communication with myself. 

The debt has already been established as not being valid, XXXX.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

I received on XX/XX/XXXX a repeat bill for a XXXX account that was opened fraudulently, in XXXX, not by me and they were notified to cease in XXXX ... and i notified the collection company to cease and desist, prior to this letter ... about a year ago, I filed a dispute on my credit file and it was removed by Original creditor XXXX, as well as another Collection company.
Consumer complaint received 2023-06-29
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. (FL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

My home was sold in a property foreclosure sale XX/XX/2017, I took legal action against XXXX Nationstar Mortgage aka Mr. Cooper for wrongful foreclosure though XXXX XXXX Circuit Court . A agreed order was enter with the court, the foreclosure for my home was rescinded. I have been making my mortgage payments to my mortgage company. I haven't received mortgage statements since the deed for my home was rescinded. I call Mr. Cooper to inquire on my mortgage several times, Customer Service informs me they can't speak with me. The reinstatement of the deed and note for my home has not been recorded with XXXX XXXX register office, Mr. Cooper has not applied my mortgage payments to the note I remit monthly. I have canceled checks reflecting my mortgage payments since I signed the agreed court order with Circuit Court. My escrow account is being assessed incorrectly, the mortgage company has included city taxes in my escrow, I don't pay city taxes. I want my escrow account to be reanalyzed and corrected. Mr. Cooper is reporting incorrect delinquent payments for my home. XXXX is also report delinquent mortgage and a foreclosure and a open balance.
Consumer complaint received 2018-03-05
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. (TX)

I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (CA)

All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXXXXXX XXXX  data breach and my name drags through the mud with several police reports FTC reports and XXXX  reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TN)

AMEX XXXX XX/XX/XXXX {$10000.00} AMEX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1500.00}
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XX/XX/18 XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ ON AN ACCOUNT I DO NOT OWN AND HAVE NEVER HEARD OF. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (GA)

I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXXXXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Called Experian and asked for a freeze on my credit report. ( Actually I asked that they delete all information about me and please forget that I exist. They said this was not an option. So Then I requested a freeze on my report. ) They said they were unable to assist me today after correctly verifying my identity.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have automatic payments set up. For some reason, they did not get set up properly on one account - BestBuy. It is inaccurate. As you can tell, this one late payment is hurting my personal credit score significantly. I have never missed any other payments. My credit history is fantastic and perfect. I have not missed any other payments ever. Can you please remove the late payment from BestBuy? I have a 99 % accuracy for my payment history. 


1. Best Buy/cbna : Creditor Information. 
BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Opened : XX/XX/2018 ( 1 yrs, 5 mos ) Late Payment : XX/XX/2018 for the amount of {$77.00}. Thereafter, I have made 94 % of payments for this account on time. I have contacted the company and disputed.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and XXXX  due to the fact that it taints my character as a consumer.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus by Goldman Sachs had closed 2 of my accounts. 
1. GM Rewards account 2. GM Extended family account because of an internal investigation in which was found to have me or in this case the identity fraudster violating their terms and conditions. 
I tried to reapply according to the agents on the phone stating I could reapply anytime I wish. My credit is enough for approval but I believe there is a system on Marcus by Goldman Sachs preventing it from going through. I experienced identity fraud on those two accounts I had with Marcus by Goldman Sachs, I would like the past to be resolved and start using the credit cards Marcus by Goldman Sachs has to offer without the identity fraudster 's doings getting in the way of my application. I already reported identity theft to the FTC and would like Marcus by Goldman Sachs to send me a new offer to get their credit cards that offer.