davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (HI)

I am XXXX XXXX Military and I leased a VW XXXX on XXXX XX/XX/XXXX. XXXX VW told me there was a XXXX update and they couldnt release the car until it was done. " it wouldn't be longer than XXXX weeks though ''. I made the first month payment when I leased the car, but by mid XXXX I had called multiple times wondering where the car was ... " Should be anytime '' was the first answer, then " probably within the first XXXX weeks of XXXX '' was the XXXX answer. XXXX VW told me to bring a copy of my bill into the dealership and they would cut a check and pay VW themselves. I brought a copy of the bill in XXXX, and thought the matter was settled. Then on Monday, XXXX XXXX when I called VW it said my bill was XXXX and I was over XXXX  days late. I paid my bill instantly, then I asked to speak to a customer service to explain the situation. The customer service agent was not helpful. I asked to call the dealership and we did a XXXX way call. The dealership admitted this was the policy, but then " it was too difficult to cut the checks '' so they told clients afterwards to pay the bill and the dealership would reimburse them. However, no one told me of this change. Regardless of the conversation the VW credit just repeated their boilerplate statement how it was my fault. XXXX VW admitted fault but that didnt sway VW Credit from still blaming me. My credit score has fallen from nearly XXXX to barely XXXX because of this XXXX. I was about to get pre-approved for a home but with the hit to my credit I now need to wait. TERRIBLE customer service, TERRIBLE POLICY. Oh and by the way, HOW IS IT EVEN LEGAL TO STILL CHARGE FOR A PRODUCT THAT HAS YET TO BE DELIVERED! I am considering legal action.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

After requesting the delinquency notice from said creditor ( XXXXlagship Credit ) I received it via email from a XXXX XXXX. After looking over it to its entirety, I noticed that the delinquency notice had a XXXX digit account number different from the XXXX to XXXX digit account number that Flagship Credit clearly states on its website that I should have. I was then told in my previous complaint that the XXXX digit account number could also be used per se when calling Flagship. But where does it state that in the sales contract? Where are either of the account numbers even listed on the sales contract? Which Ive also ready to its entirety! Why is a car that was sold at an auction still in a charged off status on my credit report. A charge off is for a loss & Y'all havent lost XXXX. So wouldnt that technically be a repossession? Again INACCURATE INFORMATION. 

I accept no contract or responsibility of a contract unless it can be shown to be lawful by meeting the four essential conditions of a lawful binding contract, which are 1. Full disclosure showing where I was told that I was actually creating the credit with my wet ink signature 2. Equal consideration ( Flagship brought nothing of value to the table so they had nothing to lose ) 3. Lawful Terms and Conditions ( Mine were based on fraud ) and 4. The wet ink signatures of both parties ( A corporation, which is a soul-less legal fiction, cant sign because they have no right or MIND ; and furthermore, no third party can sign or bind a contract on their behalf ). 

I will keep pushing this issue and make as many reports as I need until this inaccurate information is removed. Thanks 15 U.S.C. 1681i
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This account represents a clear breach of contract and is fraudulent in nature. The company failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the company 's actions have resulted in significant harm to my financial well-being. The account is : SCHOOLSFIRST FEDERAL XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thunderbird Collection Specialists, Inc. (AZ)

Account details below reporting on my credit report. I do not have any knowledge of this account and I demand resolution- ie : its deletion. Ive been a victim of an identity theft. I have alerts placed on my credit reports and after inquiring with the tcs thinderbird multiple times in regards to sending me proof that this is issued my account - nothing has happened. 

TCS THUNDERBIRD COLL S XXXX XXXX XXXX Account # : XXXX XXXX - Account Type : 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 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 2024-08-08
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: Bridgecrest Acceptance Corporation (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OR)

I had an affirm loan that was paid in full, but there were issues because I was refunded for the item I had used the affirm loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently received a letter from XXXX and XXXX a professional law corporation in regards to me being sued by Portfolio Recovery Associates with a screen shot of the case filed. I was not notified nor served from this or any company. This company violated the XXXX  order that is in place for them. I wouldn't have known of this lawsuit and would of be wrongfully sued, since I received no communication from them.
Consumer complaint received 2024-08-08
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: Affirm Holdings, Inc (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I paid off my loans to XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I requested a refund for this amount on XX/XX/XXXX and XXXX claims the electronic transfer was sent to Chase. I have contacted Chase in person and over the phone and asked them to trace the transfer with the information XXXX provided and they were unable to trace the check for me. I now have evidence that XXXX 's electronic transfer was accepted by Chase. I closed my Chase account in XXXX and never received the funds that were deposited to Chase in XXXX.
Consumer complaint received 2024-06-21
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. (IL)

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit card account was agreed into settlement in XXXX at a balance of over {$10000.00}. The collections agreement was to make {$200.00} payments for a year and the collections would be closed with the rest being discharged XX/XX/XXXX. I Paid all required payments totaling about {$2400.00} directly to the collection agency. The collection agency sold it again and again without my knowledge until I attempt to purchase a home and find out it's still on my credit report. Was sold to a XXXX XXXX XXXX which started a lawsuit and then served my old address I have not lived at in over 3 years. In the due process I received from the courthouse it states in the court documents they served someone described as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX the individual who served the papers is named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which I am very obviously a woman. A judgement by default was then filed against me XX/XX/XXXX that I was never aware of and had already paid off. I have mailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX requesting information and stating that the account was paid in settlement and I do not owe said debt.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MI)

I opened up a Jared jewelry credit card XX/XX/year>. Interest free 2 years.l 've paid my bill on time but realized my bill recently increased. I called Comenity bank and they informed me my promotional offer ended 2 weeks ago and they're unwilling to remove the charge. I offered to pay my balance while on the phone minus the interest fee and was told they still will not remove the extra finance charge. Im asking for grace a one time courtesy as a loyal customer to pay what l owe minus the interest charge.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to voluntary surrender the vehicle XXXX XXXX XXXX XXXX # XXXX. Upon arriving at the dealer, I was told by XXXX XXXX XXXX XXXX that here we can not help you, it has to be done though Toyota Finance. That same day, I called Toyota Finance at XXXX and customer service representative XXXX provided orientation regarding the voluntary surrender process, and I agreed with the process. Then, he informed me that by Thursday, XX/XX/XXXX I should receive a call from Toyota Finance regarding the approval of voluntary surrender. However, that phone call was never received. On XX/XX/XXXX, I called Toyota Finance during the afternoon hours to have an update on the approval and completed further questions regarding why I wanted to voluntarily surrender the vehicle. 

During this phone call, I felt humiliated regarding the questions, putting in doubt the reason for the voluntary surrender. Since the first day, I disclosed the reason for the voluntary surrender was due to financial hardship and could not continue with the car monthly payments. During the conversation, the customer service agent stated that Toyota Financial has approved a recovery agent, and I have to wait for the recovery agent to contact me. On XXXX XXXXXX/XX/XXXX, I called back to Toyota Financial to verify information and the customer service representative XXXX XXXX XXXX XXXX informed me that the vehicle already has been assigned to a recovery agent and filed for a local towing company, and I have to wait for availability of a towing company on the area, which may take a couple of business days and by XXXX XXXX XXXXXX/XX/XXXX I should have a call from the recovery agent. 

On XX/XX/XXXX, during the afternoon hours, I called again to Toyota Financial to have an update regarding this matter and the customer service representative transferred the phone call to the recovery department and this representative stated, that up to this day they don't have any new information regarding when a towing company will come to my address to pick up the vehicle. It is important to mention that all customer service representatives requested that the vehicle must be insured up to the car being auctioned. This situation is causing me XXXX and shortness of sleep due to mixed/vague responses from the bank. Up to this day I have not received any phone call/email from Toyota Finance/Recovery Agent or any towing company regarding this matter. Currently, the XXXX keys/vehicle is parked at the address provided to Toyota Financial waiting to be picked up as soon as possible.
Consumer complaint received 2023-05-21
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 (IL)

I noticed a special invitation from Capital One Bank to check if I am pre-approved with no credit score impact. It clearly stated if I checked, it will not affect my credit. Then I clicked the link and entered all my information and I got the message Well done XXXX, Your credit qualified you for multiple cards. It means I am pre-approved and I must get the credit card, If I apply ( I am attaching copies of all the invitations which states no impact on my credit and also my pre -approval ). 

Thinking that Capital one is a trustworthy Bank, I applied for the credit card and I got the denial letter even though my credit score is XXXX. All the reasons mentioned in the letter are false. Also I got the email that you have inquired about my credit. Attaching copies of that too. 

I request you to please intervene in this and check why they pre-approved me if I am not eligible to get the credit card. Could you please ask them to remove the credit inquiry from my account. 

If I can not trust Capital One Bank then how I can deposit my big amounts with Capital One Bank. Before approaching XXXX please give me the valid reason for the credit denial and if it is by mistake tell them to issue me the credit card and otherwise remove the inquiry from my file. Also please tell them not to send these type of phishing emails
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST PORTFOLIO SERVICING INC (CA)

I am writing to formally request the removal of inaccurate information related to an account with Revvi/XXXX XXXX from my credit report. The details of the account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with Revvi/XXXX XXXX XXXX including multiple emails, phone calls, and formal requests for account closure, I did not receive any response, and the account was not properly closed. Consequently, incorrect charges and fees have been reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of inaccurate or incomplete information from my credit report. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that a credit reporting agency must investigate any disputed information and correct or remove any inaccuracies found.

In light of the unresolved issues and the inaccuracies reported, I request the following actions : Immediate Removal : Please remove all information related to the account with RevviXXXX XXXX  XXXX my credit report. 
Confirmation : Provide written confirmation of the removal and update my credit report accordingly. 
I am including copies of my correspondence with Revvi/XXXX XXXX and any relevant documentation supporting my request. Should you require additional information or documentation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revvi/XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
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. (GA)

I checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, XXXX, and Experian ) checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed XXXX, XXXX, and Experian ) checked my experian credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint labeled XXXX, XXXX, and Experian )
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: ALLY FINANCIAL INC. (AK)

I am writing to formally lodge a complaint against XXXX XXXX, a Loan Consultant Associate at XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX ), with XXXX XXXX : XXXX. My recent interactions with XXXX XXXX during my mortgage application process have raised significant privacy and ethical concerns. 

On XX/XX/XXXX and XXXX, XXXX, while attempting to finalize my mortgage application via email, XXXX XXXX provided incorrect information regarding the XXXX XXXX loan requirements. Despite clear evidence and guidance from other Ally loan consultant associates, she refused to correct her erroneous assertions. Her insistence on incorrect guidelines, despite confirmation from XXXX different Ally agents that a XXXX XXXX payment on an income-based repayment plan with documentation is sufficient to proceed, not only impeded my application process but also effectively barred me from eligibility for the loan. It is troubling that a licensed loan consultant is providing incorrect information to potential buyers, which not only undermines the integrity of the loan process but also unfairly disadvantages applicants who are otherwise eligible. 

Subsequently, I was pre-approved for the XXXX XXXX loan by my designated loan officer, which underscores that XXXX XXXX XXXX information was inaccurate and misleading. 

Moreover, XXXX XXXX 's conduct raises serious concerns about privacy and ethical standards. Her statement in our heated emails that she would " continue to follow [ my ] application to see how far this goes, '' despite not being my loan officer, represents an unauthorized and invasive involvement in my personal information. This inappropriate monitoring and handling of my application process, combined with her refusal to rectify her mistakes, not only makes me feel unsafe but constitutes a significant ethical violation. Additionally, XXXX XXXX concerningly brought up my children in our email exchanges, a topic I had not shared with her and which is not pertinent to our conversation. This unwarranted mention further adds to my concerns about her handling of my personal information. 

I am seeking your urgent assistance to address these issues and ensure that appropriate action is taken. I would appreciate your review of this matter and guidance on the next steps. Thank you for your attention.