davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021, I refinanced my vehicle with Capital One. When this happened, they ask me to sign a limited power of attorney so that they could be placed on my title as lienholder. This was completed and verified by Capital One as being completed on XX/XX/2021. According to the previous lienholder the title was sent to Capital One in XXXX as well. On XX/XX/2021, I purchased a new vehicle and got an offer from XXXX to purchase my vehicle that is with Capital One. I went to XXXX on XX/XX/2021 to redeem my offer on my vehicle and was advised that Capital One was not listed on my title as lienholder and that I needed to contact them to fix the situation in order for XXXX to purchase the vehicle. I called Capital One and was advised that they received all the necessary documents in XXXX, however had not sent the documents to the XXXX to be placed on the title as lienholder. I asked why this hadn't happened yet and that the vehicle is being sold and that I had a new vehicle and needed to sell this vehicle and was advised that " they have just been so busy and will be able to send the paperwork to the XXXX on XX/XX/2021 and will be able to track the paperwork with a tracking number once it is sent. I explained the situation and asked if there was anyway to expedite the process. The gentleman laughed and stated that was not possible. Then was quoted that this process takes 35 days roughly to complete and wont even start until XX/XX/2021 when they are able to send out the paperwork. I am now stuck with 2 vehicle payments, 2 insurance premiums and I can not do anything until this process is completed some ( hopefully ) 2 months from now. It can not be possible that people can conduct business like this. This is ridiculous. I have also written a letter to them and have yet to get a response.
Consumer complaint received 2021-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

My wife and I purchased furniture using a XXXX XXXX credit card we signed up for in late XXXX XXXX XXXX ). Since that time we have not received the credit card, account number or bill. After XXXX the bank ( comenity ) in XXXX that owns the card, I called their customer service number and was placed on hold for 32 minutes. I then went to their website and requested that my card be sent to me through their chat service. After still not getting the card, my wife went into the XXXX XXXX store where they sold me on getting this credit card, to ask them for the bill and card and the gentleman at the XXXX, MD location told us he would request a new card and bill be sent. 

Two weeks ago in early XXXX I got an email into my spam folder that said my payment late, so I called again and after a long hold finally got someone on the phone. I paid the bill in full over the phone ( even though I wouldve preferred to actually have the credit card and bill in hand ) and was still unable to access my account because the company does not give out account numbers over the phone. At that time the lady said she would reverse the late fee which I thanked her for. 

Yesterday XXXX XX/XX/XXXX ) I finally got the 2nd bill, though still without the credit card or 1st bill and noticed that I had been charged a {$70.00} interest charge despite not having the credit card or access to my account. I spoke to 5 different representatives and supervisors who said its their company policy at Comenity never to refund interest charges, even when it is clearly Comenitys fault for not having delivered my bill and credit card after multiple asks by me. 

If they do this to someone like me who has the ability to pay the bill, I can only imagine what they do to people who dont have the ability to pay their credit card bills. Truly horrible customer service and protocols.
Consumer complaint received 2021-07-10
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. (CT)

On In XX/XX/2021, I filed a report CFPB that my Experian Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my Experian Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my Experian Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of Experian Associates. In addition Experian hasnt been protecting my Experian Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : XXXX date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX- Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!
Consumer complaint received 2021-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX being reported on TransUnion and XXXX. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!
Consumer complaint received 2021-07-17
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

We were affected by the Pandemic ... A business  venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business  never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to Toyota on several occasions asking for relief with basically no remedy ... Toyota 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. Toyota has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MN)

I was working with a loan originator and processor and the process was very confusing to close on the loan. There was a lack of transparency. The loan process seemed predatory in nature. I began to have serious doubts Amerisave would be able to close on time per the purchasing agreement. I ended up deciding to cancel the loan with Amerisave and going with another lender where the process was much smoother and way more transparent. I am concerned about the loan disclosure with Amerisave stating, " This Agreement also can not be changed, modified or cancelled except by a written modification signed by one of AmeriSave 's Authorized Representatives. '' The other lender I decided to go with had an expiration date for the disclosure agreement. When I decided to go with the other lender, I emailed the loan originator at Amerisave stating my cancellation of the loan and requesting confirmation. I got no reply from the loan originator. The sales manager called me soon after the email and began to argue with me over the phone for an extended amount of time only to give me a verbal cancellation. I think Amerisave 's predatory nature against inexperienced consumers is wrong and more consumers should be warned about them.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the 4 different credit cards and two of them were with Chase. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several representatives from Chase over the course of the last few months.. I was thanked for being such a good customer a few times. I sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have heard different things during this process - my fee paid non refundable ; significant time has passed - merchant not required to credit, took place too long ago ; bank not allowed to file claim ; and the merchant made services available for my use. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
I even contacted XXXX to file an arbitration claim which is in the Chase cardmember agreement but never heard back from them. 
My last discussion with a supervisor in Chase 's dispute department uncovered that Chase has no process in effect to dispute lawyer fees paid. 
I have received recorded calls from Chase to pay my past due balance with includes late fees and interest charges on one account where the dispute is now closed. The other Chase account dispute is also closed but I have not been billed a late fee or interest charges and there has been no contact to pay my past due balance. 
My account has always been paid on time and with full balance paid each month but I now have a balance of just the disputed amounts and fees.
Consumer complaint received 2021-07-17
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. (NC)

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : RETIRED Phone Number : ( XXXX ) XXXX Social Security Number Last XXXX : XXXX
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (NJ)

I am XXXX Years old male, I was the caretaker of my spouse for 6 years prior to her passing of XXXX XXXX & XXXX failure on XX/XX/XXXX. 
During these 6 years my professional earnings were limited in hours and days as she needed 24/7 care and emergency visits to XXXX XXXX XXXX for treatments or E-R. She became ill in XXXX & passed in XXXX. 
During the duration of those 6 years & financial difficulties we access our credit reserves of our credit cards, XXXX, XXXX , & XXXX  XXXX. 
We made payments due for the next 3 years, XXXX and then Hired XXXX XXXX in XXXX OK to consolidate our debt of {$110000.00} to a monthly {$1100.00} for all. ( See attached 3 years of payments ). 

Now at XXXX unable to work due to XXXX  & other medical symptoms like XXXX 's with only income my Social Security of {$1800.00} and some residual commissions from previous employment that are less than {$2000.00} annually, I am no longer able to pay these Creditors.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

As I have attempted to rectify this ordeal, and unsuccessful at doing so, as VS, CB, & CEO 's are not cooperating. There is a {$300.00} limit however they locked the card because of my attempt to ask questions that they are misleading on and shows {$0.00} is available. Victoria Secret, Commenity Bank and the CEO 's has suspended authorization for further use of the credit card, A violation of 15 USC 1602 ( p ). All while demanding payment, failing to disclose they are a debt collector per 15 USC 1692 E ( 11 ). I reserve all rights as the Consumer to enforce being treated fairly per 15 USC Chapter 41 subchapter V, without injury ( s ). The allege balance due are mostly fees and interest as they constantly violate my rights per 15 USC 1692f ( 1 ) and shut me down when I attempt to resolve this matter telling me I have no rights. I was told they are the 'original creditor ''. I have lost sleep because of this. This has cause mental anguish and the lost of many opportunities for my family that I now see a therapist for.
Consumer complaint received 2021-07-17
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. (WI)

From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.
Consumer complaint received 2021-07-10
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. (DE)

I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX XXXX XXXX, and on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX  XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and there was an unauthorized inquiry from XXXX on XX/XX/XXXX. I want these inquiries removed immediately.
Consumer complaint received 2021-07-09
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. (TX)

A fraudulent account was opened in my name at XXXX. I informed Experian of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and Experian keeps reporting it and affecting my scores.
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (LA)

I purchased 2 XXXX XXXX on XX/XX/XXXX through the XXXX website. I was offered financing through Affirm. When I returned the XX/XX/XXXX because the robots did not clean my whole house and when my wife and I would come home from work the robot would be sitting in the middle of the floor dead not being able to make it back to the docking station. I called XXXX on XX/XX/XXXX to confirm receipt of the merchandise. I called Affirm on XX/XX/2021 to ask about my refund in the amount {$320.00}, XXXX at Affirm stated that they have not received my refund from XXXX and can not issue me a refund and that I have to continue making payments are they will report late payments to the credit bureau. I have attached proof that the items was sent BACK to the merchant.