davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting inaccurate information for a alleged debts that are paided and there is no reason for a debt collector. Reporting false an negative information on a CONSUMER. ACCORDING to FDCPA such reporting is choosing me to have adverse action for personal essential goods. My CONSUMER rights have been violated by 15 USC 1692 B ( 2 ) and 15 USC 1692F ( 8 ) Notice to all I am that I am the consumer in fact the natural person the original creditor the lender the executor their administrator Holder and due course for any and all derivatives therefore the surname or given name is as you know. I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I have a DBA for the Original Creditor. The fact that the fair debt collection practice act is intended to secure my right to privacy and my privacy has been breached so be it and please show good faith in this matter bye expediting the security of the alleged information listed on your site in order to avoid me receiving further injury or damages in mental anguish and lost due to me being a victim of identity theft.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX  & XXXX  ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX   {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX Score Rewards ( Removed from XXXX as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my lexis nexis account has been frozen since XX/XX/XXXX of 2018. 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.
Consumer complaint received 2023-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Deletion of Unauthorized Credit Inquiry & Retraction CAPITOL ONE AUTO FINANCE I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (TX)

AmericanFinancing.net : XXXX XXXX XXXX XXXXXXXX. 

I was told I would qualify for a loan based on XXXX income and not total income. this was in XX/XX/2022. After several steps it was changed that I would have to present fourth financial information despite the XXXX XXXX being acceptable for approval. the rate had been secured and locked in. I believe they then began to slow the process greatly in order to have the rate lock expire after having me spend hundreds of hours compiling documents and changing conditions. Over XXXX  months later they have not extended the lock despite providing all documentation request very quickly. Their communication was extremely slow I believe on purpose. i escalated this numerous times with the lender. I have text communication from some employees within the company stating their practices are not being properly followed. I can only interpret this as an attempt to delay to raise my rate away from the agreed upon rate. Ultimately, I received a closing statement without any notice and not notifying that my rate had been significantly increased and allocating some of the proceeds to pay down credit cards never before discussed. It appeared they were hoping I would not notice the large increase in order to lock me in. Now after XXXX months interest rates have increased drastically and I have lost my opportunity to secure a lower rate, being damaged by hundreds of thousands of dollars over the course of a XXXX year mortgage. For some background on folks that my be seeing this publicly. This was a refinance of an existing XXXX expired XXXX XXXX. My financial situation has improved since the original finance which was a healthy financial situation at the time. I was contributing cash to purchase discounts to the rate. I would not have started working with this group had I not been assured my financials were more than enough to get the loan processed. when additional financial information was required it showed additional income over XXXX times what was originally needed. I don't believe they ever intended to honor the rate, just bury borrowers in paperwork and exhaust their time to then tell them they are out of time and a higher rate is the best they can do. Additionally at XXXX point they told me information I had supplied was " rejected by the underwriter '', when I pressed for evidence of the rejection and a reason why, they recanted and said that meant they just could not " find '' the information I provided and needed it again. All information was uploaded into a portal they have so their is no reason they could not find it, they again just appeared to have no interest in getting the loan processed. Beware, you will be months into a process and they will change your rate.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I had two unauthorized transactions through Chase website. It was sent to XXXX two individuals, I have no idea who, a largely suspicious amount of {$500.00} in total. Sent by two transactions of {$150.00} to an unfamiliar XXXX named " XXXX '' and XXXX {$200.00} transaction sent to another person who's name I also never heard of under " XXXX ''. I found out the as I got on my computer and I wasn't able to log in anymore and took action with Chase as soon as I could of. They were all helpful and kind as we are beginning with a claim. I thought I've been a trusted XXXX  client for a good years now that this problem would of been resolved, aswell only asking for the money back didn't seemed to me to be an issue from a trillion business, especially, considering that myself a low-income XXXX  XXXX  just started XXXX XXXX in desperate need to meet all the new supply demand for my XXXX requirements. After banking with also a few diffrent bank companies and never experience the way Chase responded to me after giving me a temporary refund, I thought the claim would be resolved and the acceptable solution was that I was just going to get my money that was stolen from my unsupervised laptop. However after ensuring everything was going to be fine they send me a mail two days ago reclaiming the refund back and that I even have to pay it back because they didn't accept my claim. Of course they leave me in debt the day I have to purchase a {$200.00} supply kit for college but I called and the rude Chase Faud agent tells me that everything I went through was pointless because I wouldn't have never been able to get my money back since they claim " it's too difficult to determine the type of activity through XXXX! '' I'm baffled with the fact my claim, my long hours of waiting for my phone calls to get answered, and saving up isn't enough to prove that an unauthorized someone sent people money and I noticed, I'm sure they would of kept sending more if I wasn't with limited funds besides that I just know they had gotten through from my computer because it's only the place that has my whole bank account always open and that day I had left it unattended because I was running late to the doctor. The agent kept telling me there was nothing I can do because they wouldn't do anything more unless proper proof when I am claiming this misdemeanor happened thatI have no idea of. It was unjust to them to be stubborn with my money that I've earned from XXXX and to tell me to even pay back the refund, my Chase account is overdraft now, I even went in person and it seems that the only company I relied on wasn't able to aid me in such rational solution, just getting back my money so I can afford my education.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (VA)

I purchased a home in XXXX in 2013 from XXXX XXXX. A few months later Popular Bank purchased the loan. Now 10 years later, I moved to VA and found a buyer for the house. I XXXX  with the federal government. Popular Bank failed to complete the necessary documents and there are multiple lines in the title, which I have been made responsible to fix because Popular Bank went out of compliance with the laws by failing to complete that transaction 10 years ago. Now I cant sell my house and this could have negative impacts to my credit and life because they did not clear their transaction with XXXX XXXX 10 years ago and are not doing a thing to fix it. 

I need urgent assistance to close this issue. This is not the first time they fail to process documents. I had to refinance my vehicle and they did not provide the vehicle title so I was forced to leave it behind. Now I have to pay extra to go back and try to figure that part out as well because they failed to do that too.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I got a credit alert that the card was closed and I contacted the company and they said that they sent a letter that I did NOT recieve explaining the reason why they closed the account. 
I have never missed a single payment since over 10yrs ago when i opened my account. 
I belive that this was done in error and the company needs to correct this error by re-opening this store credit. 
Thanks
Consumer complaint received 2023-12-08
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: LEXISNEXIS (OH)

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

Multiple vanilla visa gift cards were purchased. However, upon use 1 card was fraudulently used and the other magnetic strips from the other cards were damaged. Case numbers with pictures are provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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: JPMORGAN CHASE & CO. (IN)

I subscribe to four different services that alert me of credit reporting. In XX/XX/2023 I received an alert that I had applied for a credit card from JPMCB CARD SERVICES and the inquiry had posted to my credit report. 
After viewing the report I saw that on XX/XX/2023 someone had used my information. I contacted JPMorgan Bank and they stopped the application and stated they would be sending me a letter about the incident, which they did, and they also stated the inquiry would be removed from my report. 
Again on XX/XX/XXXX and XX/XX/XXXX the same thing occurred. I again called the bank and went through the same process. To this date none of the three inquiries have been removed as promised. 
Since all this has taken place, I have placed a freeze on credit bureau reports.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I submitted a complaint against XXXX XXXX XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. XXXX XXXX is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. XXXX XXXX did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. XXXX XXXX repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from XXXX XXXX. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children XXXX XXXX would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and humiliation from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession 24 hours. I had to borrow money to regain my car and payback high interest on the loan. The response XXXX XXXX gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (GA)

15 U S C 1681 section 602 A, states I have the rights to privacy 15 U S C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit 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: TD BANK US HOLDING COMPANY (PA)

so I made a purchase that I authorized in XXXX of this year. It was for a blocker app for my phone. However, after a few months, the app stopped working and then I found out the app was not updated since XXXX of last year. 

I contacted the developer in XXXX he beats around the bush and pretends not to know what a refund is. I have seen app developers make apps to make money off of them and not maintain them. 

So I decided to contact TD Bank Credit Card Services. It has been one big pain in the XXXX. I told them what happened so they opened a dispute a few weeks later they denied me. So I went back to TD Bank 's local branch with an absolutely outrageous letter that I had to write. Included a screenshot of the app and last updated version. 

I get denied again. I asked for information on how they make their decisions they never sent it to me. Their only argument was that I authorized it. Well, my argument back at TD Bank is this. They are stating if someone steals my card and pretends to be me and authorizes it I will be held accountable for the purchases. 

I just want my XXXX dollars back because the app is broken and the app developer has been a creep. Anytime I ever had any issues with stuff not working when I paid with XXXX card I might get a lecture but never this much of a run around like I have with TD Bank Credit Card service. This company should be looked into for their terrible practices and using snail mail to deliver notices is unacceptable because I had multiple letters crossed in the mail.
Consumer complaint received 2023-04-21
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: Credit Karma (HI)

I have received hundreds of emails from " credit karma '' in last 24 hours that indicate " my account has been accessed by a new device '' from various different types of devices. There is no way to log into credit karma to speak to a human or email a human and there is no way to delete or cancel the account. They have made my credit and personal information available hundreds of times to whoever was accessing my account in last 24 hrs. I attempted to use their help center which is Sub par and their chat is a bot so there is no way to reach anyone to request account to be deleted or locked. Only option is to log out.