davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (GA)

my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. 
I was not provided the method of verification on XXXX XXXX XXXX late payments, XXXX XXXX XXXX or the inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is reporting an account that is not in my name to the credit bureau. I was only an authorized user on the account but never gave permission to be a person financially responsible. I spoke with them last month and they told me I was taken off of the account. However, on XX/XX/XXXX they negatively reported it to the credit bureau again. This was not my account and they need to quit reporting it as such.
Consumer complaint received 2018-12-15
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. (NY)

XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.
Consumer complaint received 2022-03-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-12-01
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. (AZ)

I have provided Experian a XXXX letter with hard evidence against XXXX XXXX XXXX XXXX against unfair credit reporting acts Showing I was not late in the month of XXXX. However, they keep going back to XXXX XXXX and they keep reporting me late. However, it is not late in the month of XXXX on XXXX and XXXX, just Experian. I have also tried going through the XXXX to get it resolved but they too have neglected to correct the information even after they provided me HARD proof that it was indeed a payment in the month of XXXX before the due date. Now I am opening a dispute against Experian for failing to conform to the LAWS in Section XXXX refers to in the Fair Credit Reporting Act
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I am XXXX XXXX XXXX and a XXXX survivor ( XXXX ). Based on my prognosis, I decided to take my life 's savings to make a down payment on a condo with me as the applicant and my son the co-applicant. We used Quicken Loans. On XX/XX/XXXX via email I informed the salesman, aka " Executive Purchase Banker '' XXXX XXXX that his colleague told me I did not have to have my home owner 's insurance ( or property tax ) escrowed with Quicken, and I did not want to do this. XXXX called me up. I was tired, and he told me he would have to charge me more money at closing if I did not do this. The issues here are lack of full disclosure and coercion. 
On XX/XX/XXXX Quicken Loans sent me an email saying they had paid my property taxes : {$1500.00}. This was too low, so I called Quicken Loans and the agent told me they were right and I was wrong, and unless I got something in writing from the Tax Collector, Quicken Loans would not do anything. ( If I had taken her word for it, our home would have gone into foreclosure. ) I contacted the XXXX XXXX Tax Collectors office via email and they responded that my taxes were {$1900.00}, and had not been paid. I faxed a copy of the email along with a copy from the page from XXXX to Quicken Loans. Evidently they had sent the money to pay someone's else 's taxes. A XXXX XXXX said they were in the process of getting my money back from XXXX XXXX County, and supposedly also sent the {$1900.00} from my account. ( So here is now no money left in my escrow account. ) I looked on the XXXX   site and my taxes still were not paid and the {$1500.00} is still missing. Another customer service rep named XXXX told me they were " still working '' on getting my money back. She also said Quicken Loans does not pay my taxes, they have another company do it and that company mails a check to the tax collector, which may not cash the check for several weeks. I told XXXX XXXX, I do not want to escrow either insurance or taxes with Quicken Loans anymore, and she told me that I had to for 12 months, but this is not what paragraph 3 of my mortgage contract says. It says the Lender can release me from this obligation anytime. This is fraud. I asked XXXX XXXX the name of their attorney. XXXX XXXX responded that she is busy " researching '' and will get back to me.
Consumer complaint received 2022-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-12-15
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. (TX)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Consumer complaint received 2018-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My Mother gave me {$10000.00} ( via check ) to apply to my student loan. This almost paid it off ; left a balance of approx. {$5000.00}. One day I got a revised statement saying the re-capitalized my interest and my balance went up by {$5000.00}! 
I called and asked what happened. The person on the phone told me that the calculation was correct and there was nothing I could argue about. I told him I dont't think they applied my payment is the most advantageous manner, and that the way the applied it and then kept silent was incorrect. I was told that they system didn't make mistakes. 
I asked for a complete recap of all my payments and to see how all payments were applied to principal and interest. I got the run around and was told they could not furnish me the information without a legal request and a fee. 
I believe I have been defrauded by the way they applied my one big payment, and subsequent monthly payments based on how the big payment was applied.
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I just received a collection notice from XXXX XXXX dated XX/XX/2018, File # XXXX, Creditor : XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX Balance due {$14.00} It's asking to notify within 30 days to dispute validity which I'm doing now. 

This is not my debt. 

I've never heard of this company. I've never had a creditor named XXXX, nor have I ever not paid any creditor for that matter. I have excellent credit and pay all creditors in a timely manor. I've never received any notice of monies due from this creditor ever.

I have a step daughter with the same name and know of other many other people with my same name and am not sure if this is crossed with another person 's credit, but this is not my debt.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX keeps calling me repeatedly and also from unknown numbers to try to contact a person who does not live here. It is my sister-in-law who lives in another state. I have asked repeatedly to stop calling me and they will not. They call multiple times a day. It started the week of XX/XX/2018 and they have called today, XX/XX/2018, 5 times and 3 of the times were within 1 hour of each other. I have called and spoke to XXXX directly and 1 live person who actually called asking for my number to be removed as I am not that person and that person does not live here, never has, never will. They said okay and after called yet again, XX/XX/2018 at XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent letters out to XXXX XXXX to verify the the account with the original documents to verify the account in which they could not produce. When I called to verify the supervisor said he will not accept my terms now they are calling me and harassing me saying I must pay must pay on this account or I will go to court. 
I paid off one account in XX/XX/XXXX in which the agent said if I pay it will be deleted off my credit report and as off XX/XX/XXXX my credit report still has Collection Agency XXXX XXXX XXXX  Original Creditor 01 XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$530.00} In which it was stated that it will be deleted but it has not and when I asked to verify the second account with the original document they couldnt. Information is listed below XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00}
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC (FL)

Hello there is a person by the name of XXXX XXXX who contacted my family members to inquire about a personal matter or debt. Now there are requesting my employer information. That is unethical and disruptive to contact my family. They called XXXX XX/XX/2023. The number they left behind comes up as Asset Recovery Bureau.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.
Consumer complaint received 2018-12-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a Capital One 360 Money Market account on XX/XX/XXXX with offer code XXXX. 

The exact wording of this offer ( which I have a screenshot of from the date of opening ) is the following : " To earn a bonus your account must be funded with at least {$50000.00} from a non-Capital One account no later than XX/XX/XXXX, by XXXX XXXX ET. If we determine that you satisfy the eligibility requirements, then we will post the {$500.00} bonus within 60 days from completing the offer conditions. '' In order to qualify for this bonus, I made the following deposits ( dates are taken from the date the transfer posted to the account as verified using the account management on the Capital One website ). 
XXXX : Deposited $ XXXX from XXXX XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX  account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  Account XX/XX/XXXX : Withdrew $ XXXX back to XXXX  XXXX  Account XX/XX/XXXX : Deposited $ XXXX from XXXX   XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX   account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  account XXXX : Withdrew $ XXXX back to XXXX XXXX account With these actions, I deposited a total of $ XXXX prior to the XX/XX/XXXX deadline, and had a balance slightly above $ XXXX on the XX/XX/XXXX deadline. 

Today is XX/XX/XXXX, which is not yet 60 days after I completed the requirements, so the company still has time to credit my account. HOWEVER, this week, I have contacted Capital One customer service ( once over the phone, three times over the chat support offered on the website ) and was told each time that I did not meet the requirements for the bank bonus and that I would not receive the bonus because I never had a balance of {$50000.00} in the account. However, the offer details never say anything about maintaining a balance but only state how much must be deposited before the deadline. 

I was told by the customer support person the first time I used the support chat that management had decided to clarify the offer after the fact and did not feel that people using cumulative deposits and withdraws should qualify for the offer. To me, this amounts to changing the offer to something different than it was when I signed up, which isn't right. I know of several examples of people getting the {$500.00} bonus by using the same strategy that I did to deposit over $ XXXX in funds, however, at some point, Capital One changed the policy. This is not " gaming the system '', this is a failure of Capital One to write a specific and clear offer policy. Consumers should not be punished for this. 

Please see screenshots for more information.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (TN)

I submitted a request for a XXXX  XXXX to be deleted off my credit report to Equifax around XX/XX/2019 this bankruptcy has been on my credit for 10 years and it is Not reporting on the other two major Credit reporting agencies ( XXXX and XXXX ) it is not fair that equifax will not delete this bankruptcy and I need it deleted as soon as possible.
Consumer complaint received 2018-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC (TN)

XX/XX/2018. I saw that a payment was withdrawn from my bank account for {$140.00} from XXXX XXXX. I am not signed up for auto-pay with them. I called the company and spoke to representative. He said as well that I was not signed up for auto-pay or what they call convenience pay. However, the man said they still had the right to deduct a payment. I informed him that was not legal and they could not take a payment automatically from my account if I was not signed up for that service. He kept arguing with me that they did have the right to take the payment without my permission. After going back and forth, I told him I was contacting my bank and hung up. I am attaching a screenshot showing that I am not signed up for the service.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MN)

I had a complaint that was filed through the CFPB on XXXX. They used to Be IDA. XXXX failed to tell me in there long winded response if it was still frozen. My prior address was XXXX XXXX XXXX XXXX XXXX, MN XXXX when I froze this report. I faxed all documents to XXXX. Way back. If IDA went under a name change that does not mean my credit file should still not be frozen. I want the CFPB to see previous response. They did not address if my file was frozen.
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Dates : XX/XX/XXXX unsure of time as this log was deleted XX/XX/XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX.

These are records of calls made to my personal cell phone. Each time a partial automated voicemail is left, repeating the callback number. I've answered this number on the first two calls made to me on the XX/XX/XXXX and XX/XX/XXXX, but there was no answer on the other end. I called back but again it was an automated system asking for my social security. I blocked the number but continued to receive partial messages on my voicemail.

I do not know what company, if any, is attempting to reach me, and I am unable to contact anyone to make these calls stop. Please help.