davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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: LEXISNEXIS (IL)

I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with XXXX and they have verified the item as accurate several times, stating that XXXX had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy CourXXXX, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider Lexis Nexis without any validation or verification that the bankruptcy information is accurate.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

It was last year a buddy of mine told me about XXXX to XXXX told him I was trying to build my credit up and I havent been able to and now I sign up for XXXX and they raise my credit up to XXXX then they bring it down I mean two months ago I had no credit score now all the sudden I got a credit score I dont get it I think its a sick joke being played on me I wasnt born with a silver spoon in my mouth I dont have a cosigner so I cant get credit appears to be the case and I paid Lexington law probably got over {$600.00} and I live with the week I will make a lot of money and a lot of the stuff I see is false
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I need to inform you that I have fallen victim to identity theft. I am disputing this account since this was opened without my knowledge, consent, or authority, and I hold no responsibility for it. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the XXXX website COMENITYBANKXXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX
Consumer complaint received 2022-05-28
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. (NY)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : INQUIRIES : XXXX XX/XX/2022 EQUIFAX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
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. (NY)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EXPERIAN INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : INQUIRIES : XXXX XX/XX/2022 XXXX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Chase decided to terminate our relationship. They didn't give a reason and stated legally they don't have to. I have called several times trying to get my money that's sitting in the account. Chase states that it could take up to 10 days for complete closure. Supposedly my paycheck should have been kicked back but they deposited it even though the account is restricted. I just want to receive my money. I'm single mom and have bills that can't wait. I can't wait 2 weeks for them to release my funds.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-11-08
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. (MO)

My current lender is XXXX XXXX  XXXX XXXX. My mortgage loan was due to renew on XX/XX/XXXX. I did not receive letter until XX/XX/XXXX that my loan was to be renewed by XX/XX/XXXX. I called bank and they sent me an extension letter until XXXX, XXXX. In meantime they sent me paperwork to fill out financial info. I had filled out all paperwork and sent to bank. I never heard anything back from them about my refinance Loan. I received letter from a lawyer dated XX/XX/XXXX stating that my loan was sold to XXXX XXXX XXXX. They are demanding full payoff. XXXX is not doing refinancing. I applied at another bank but was denied a loan because of my credit score. XXXX XXXX  reported to the credit bureau that I was late on payments over 90 days for XXXX months. I have never been past due on my payments. They reported past due payments but it was past due on the refinance really. XXXX has ruined my credit. I owe {$21000.00} on my loan that is secured by a mobile home and XXXX acres of land with improvements. No one will give me a loan due to my poor credit score. I never heard anything back from XXXX about my renewal loan. I've called numerous times but the loan officer never returned my calls. I am XXXX and I have nowhere to go. This is my home!
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.
Consumer complaint received 2022-12-19
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. (GA)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Peace, I am XXXX XXXX, On XX/XX/XXXX I went into XXXX XXXX XXXX and examined a XXXX XXXX XXXX XXXX XXXX, VIN # XXXX, which I then filled out an application for. I made it clear from the beginning of the application process that I would be initiating a Consumer Credit Transaction, pursuant to 15 USC 1679 a ( 2 ), and marked such on every piece of paperwork. After talking to the agent and waiting a day for the application to be ran, I was told I was denied for the vehicle. This is in violation of both 15 USC 1611 and 15 USC 1691.

I then called Capital One Auto Finance, as that was the institution that ran my credit application. I was given a reference number for the application that was submitted on my behalf ( XXXX ), and was informed that there was nothing they could do on their end, and that I would need to talk with XXXX XXXX XXXX about any issue I may have. 

Under title 15 USC 1681, denying me credit would be deemed an diverse action, which is in violation of 15 USC 1691 ( a ) ; It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of any credit transaction. 

I would like you to obtain the greatest amount of redress possible. This behavior is punishable under federal law. 

Below I will provide mailing addresses for both XXXX XXXX XXXX and Capital One Auto Finance. 

XXXX XXXX XXXX Attention : Legal Recourse XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance Attention : Legal Recourse XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I need to inform you that I have fallen victim to identity theft. I am disputing this account since this was opened without my knowledge, consent, or authority, and I hold no responsibility for it. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the identitytheft.gov website. 

COMENITYBANK/VIC TORI XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LendingPoint Holdings LLC (AP)

XXXX XXXX XXXX is acting on behalf of Lending Point LCC stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2020 vehicle was towed and in process of retaining my truck observed some body damage done by tow truck and brake light stayed on I contacted TD Bank and advised was informed protocol was to wait until transaction has cleared because they couldn't stop transaction even though they still was in control and could have stopped transaction yet not only did they not stop or remedy same they fail to file claim as instructed
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP (NY)

I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (CA)

In mid-March I rolled over an old loan into a new loan. I originally asked for only {$1000.00} but the lender I spoke to, or an employee of the lender let me know that in the state of California the smallest personal loan you can take out is {$3000.00}. I'm fairly decent at making large payments or multiple payments monthly to any loans/credit cards I've had. I'm military and was unaware that I'm not supposed to roll over an old loan into a new loan. The loan terms were 54 payments at 35.99 % APR with {$5700.00} as the finance charge ( amount the credit was costing me ). Amount actual financed was {$5500.00}. {$560.00} was rolled into the loan with a {$250.00} prepaid finance charge. 

After a few payments were made I noticed that my principal wasn't going down. In XXXX I went to a XXXX  financial specialist to discuss why I was struggling with paying off the loan. By the end of XXXX I had made the following payments : XXXX XXXX {$300.00} towards the previous loan ( not going to total this in further down ) XXXX XXXX {$560.00} this payment came from the new personal loan I had taken out So in March- I had only made one payment from my checking account towards the loan. Had I not taken the second loan out I'd owe {$560.00} going into XXXX. The new loan rolled the old loan into it. 
XXXX XXXX returned check- this will give me a {$15.00} late fee which is fair XXXX XXXX {$300.00} ( only {$45.00} went towards the principal ) XXXX XXXX {$300.00} ( {$240.00} went towards the principal ) XXXX XXXX {$200.00} ( {$190.00} went towards the principal ) XXXX XXXX {$200.00} ( {$120.00} went towards the principal ) XXXX XXXX {$200.00} ( {$130.00} went towards the principal ) At this point I've paid {$1200.00} towards the loan in a span of 3 months. 20 % of the loan amount. Yet, only {$740.00} 13 % had gone towards the principal. I understand some of the payment portion should go towards the interest. Look at the inconsistency of those payments being sent to principal vs interest. 

Once I saw the inconsistency and the financial specialist looked over the loan they noticed some red flags for Military Lending Act terms. I was referred to a XXXX  representative. He reviewed the loan contract. He noticed immediately that there are two different rates on the contract. I have an APR of 35.99 % and a contract rate of 33.39 % on the second page, and the old loan being rolled into the new loan. 

In addition to the above, let 's rewind back to the {$250.00} prepaid charge I mentioned earlier. The loan meets the XXXX interest rate under the XXXX XXXX XXXX of 35.99 %. When you add that {$250.00} charge in, it's no longer XXXX, it's 37.2 %. 

The XXXX representative reached out to the lender 's remote location as well as their corporate location on XX/XX/XXXX. It is XX/XX/XXXX and there has been no response from the lender.
Consumer complaint received 2022-05-28
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: CREDIT ACCEPTANCE CORPORATION (OH)

Account : -XXXX  # XXXX, -CREDIT ACCEPTANCE CORPORATION # XXXX was REMOVED from my credit report and has been illegally reinserted back onto my credit report and this is a violation. I have a legal right to dispute the following account on my credit report : -XXXX  # XXXX -CREDIT ACCEPTANCE CORPORATION # XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phelan Hallinan Diamond & Jones, PC (NJ)

XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.