davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

A overseas company XXXX  is charging me for airline tickets which were booked by them for wrong date of travel, we were assured by the travel agency company that it will be corrected, it was 3 months in advance booked. 
Booked airline tickets for 5 passengers to XXXX on XX/XX/2019 through XXXX XXXX  website. With date of departure XX/XX/2019 and return XX/XX/2019 for a total charge of {$1300.00}. Paid through Capital one credit card. 
Received confirmation email for reservation on XX/XX/XXXX but the dates of the itinerary were wrong it showed date of departure XX/XX/XXXX and return XX/XX/XXXX, which was totally wrong as the vacation was the thanks giving break. 
Immediately called XXXX XXXX  and notified them of the wrong dates. 
Representative apologized and said they had problem with their website and they will fix it to the correct dates. 
A form from XXXX was emailed to me which I filled and submitted, this was on XXXX 2019. 
XXXX XXXX  kept on stalling me and I was not getting anywhere close to where they were correcting the dates. 
I on XX/XX/2019 called capital one and advised them of the problem and my account was credited back. 
I called XXXX and advised them that I have called my credit card and advised them of my issue with XXXX XXXX  and have stopped the payment on this itinerary, but am willing to work with XXXX  if they correct the dates. The representative at XXXX said as I had disputed the amount and XXXX had returned the money to capital one they could not help me. 
I booked my tickets with another company and when I came back from my vacation i saw capital one had recharged my card. 
I am going back and forth with capital one, being put on hold for long period of time recent one was 1 hour and 38 minutes. 
Every time i am advised some one is going to call me back from the escalation team but no one has called me back. 
I am very frustrated and feel helpless it seems to me that Capital one is betting on that so I give up. 
I request your intervention and help me please.
Consumer complaint received 2020-04-04
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. (MS)

Experian and XXXX XXXX is reporting a bankruptcy on my credit report. Experian claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to Experian or XXXX XXXX. Experian is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and Experian are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (CA)

XXXX  used deceptive practices and issued a travel package. When we arrived to our transportation we were told it was over booked. 

XXXX refunded only the transportation and refused to cancel or refund the hotel in a different state. 

XXXX told me they would launch an investigation and get back to me within XXXX  days and never got back to me. 

Affirm assured me that if XXXX processed the refund I would be clear of making payments when I made them aware. 

Upon checking with XXXX in the XXXX  days period they said they had no record of an investigation, and were refusing to issue a refund because of the time that had past, resulting in a default payment of XXXX  days on my affirm account.
Consumer complaint received 2022-10-13
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. (TN)

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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2020-04-04
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 (MS)

XXXX and Lexis Nexis is reporting a bankruptcy on my credit report. XXXX  claims to have verified this information through Lexis Nexis. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX   or Lexis Nexis. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from Lexis Nexis that means their information is inconsistent and inaccurate as well. Lexis Nexis and  XXXX  are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My brother XXXX XXXX used my name to apply for a credit card from Capital one and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is Capital one Now bought by XXXX  XXXX XXXX
Consumer complaint received 2020-04-04
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. (VA)

I was refinancing and told my credit rating was lower than I thought. I requested the free credit report from Experian I believe. Of the many entries on my report there was one that stated severe delinquency. I asked about it and was told it was for missing one month  payment on a Parent Plus loan for my son. 
I just looked at my credit score with XXXX XXXX and it showed my credit score declining by 10 points in one month. The reason : severe delinquency. 
I think this is a crime to miss one payment on a student loan from 3 or 4 years ago and the credit agency is allowed to report that as a severe delinquency, especially after just paying off a number of credit cards, refinancing our mortgage and an increase in salary.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MI)

I was turned down for a home mortgage because of a collection account reporting on my credit report for XXXX. This account should have never gone to collections as I paid the final bill in full. XXXX billed my account for another month which is what caused the unnecessary balance that I was forced to pay. The collection agency lied to me on a recorded line stating that this account would be deleted from my credit report. I am requesting that the recorded line be listed to by a supervisor and hear what was promised to me. I feel like I was strong armed by thugs dealing with this company and their sneaky wordings to make you think your getting something that your not. This is not right for the way I was treated and it has affected my ability to close on my investment property. I am going to allow this company 30 days to send the request to delete this account from my credit report or I will be filing a lawsuit for damages on the profits they have caused me for this inaccurate credit reporting.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

Our mortgage loan was recently transferred to Mr. Cooper in XXXX. This mortgage has no escrows for either taxes or homeowners insurance. All the statements I have from Mr. Cooper also state there is no escrows associated with my account. I paid my quarterly homeowners insurance on XX/XX/2021 to my insurance company. On Saturday XX/XX/XXXX I received a refund check from my homeowners insurance company stating it was an overpayment. I called to find out what they were talking about and found out that Mr. Cooper ( Nationstar ) had paid the policy in full ( {$860.00} ). 
I then reached out to Mr. Cooper today to find out why and where the money came from since I do not escrow for any insurance. After 1 1/2 hours on the phone with five different people, I have no explanation of why it was paid. 
One person says they got a bill, ( my insurance company told me they did not send them a bill. they were sent an insurance binder for proof that we had homeowners insurance ). Another person claimed they paid it because they require it to be paid in full. I told them I pay quarterly not in full. I was told I can not pay it quarterly, it must be paid in full ). If this mortgage as no escrows how do they dictate how it is paid? they also announced that my payment is going up in XXXX by {$200.00} per month due to factoring in this " escrow ''. From the reviews on their page, it sounds like they do this to alot of people. 
I have had no communication from Mr. Cooper regarding this loan, other than the usual typical communication when it was transferred to them in XXXX. I was told then that the same terms and conditions of the loan were still in force and nothing changed other than who I paid my payment to.. They can not explain how an escrow account was attached to my account or why no one contacted me about this payment being made on my behalf. If I hadn't made the call, I also wouldn't know about the increase in XXXX, which I will not be paying. I want them to ask the insurance company for a refund so I can go back to paying the bill as I always have. I have spoken to the insurance company and they told that is what needs to happen.
Consumer complaint received 2020-03-26
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: DISCOVER BANK (NJ)

There is a Hard Inquiry on my credit report of XXXX  with the name of Discover Financial Ser ( see attachtment ), I have tried to dispute this with XXXX  and also Discover but both company denied to help me in this. 
I do not have any credit card or account with this company.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

The complaint is regarding mortgage fraud. My name was added to a mortgage filed XX/XX/XXXX. My initials and signature were forged on the document. The notary unethically stamped the document. I never met the notary that stamped and notarized the mortgage. 
On XX/XX/XXXX I was served a summons by XXXX XXXX. The summons requested my response because it stated that I was listed on the mortgage. The attached documentation shows that my name was typed on a mortgage for a property that belonged to my mother in XXXX, Florida. It seems as she was modifying the mortgage on her home and she forged my name/initials on the mortgage. She was a XXXX XXXX and had made connections with people in the industry. I have never met the notary that notarized the mortgage document The notary and my mother committed mortgage fraud. The mortgage was date XX/XX/XXXX ans secures the note that my mother signed on XX/XX/XXXX for {$170000.00}. 
My mother did ask me to be placed on the deed of her home in XXXX, FL back in XXXX which I agreed to because she said it was for estate planning purposes. However, after a few years I asked her to remove my name from the deed because she was planning on leaving the home to her son. 
My mother died in XX/XX/XXXX and willed the home in XXXX Florida to her son. He took ownership of the property but decided to go into foreclosure. Due to the foreclosure process is how i came to find out about the mortgage fraud. Since my name was not forged on the note this information never came up on my credit reports. 
The summons names me and my spouse as responsible parties and I am seeking legal counsel to help us clear our names. I never had any interest in this home nor do I seek to have any interest int his home. I just want help getting justice for this criminal act. I work for the securities industry and can not have a foreclosure attached to my name. My husband is also an innocent victim ion all of this. Any help you could provide us would be greatly appreciated.
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (MN)

I received a letter in the mail that named a person as trying to make changes to my account. The person named was not me and the letter indicated that no changes were made to the account. Which is wonderful. However, the person named as attempting to make changes to the account is the CEO of the company that I work for. This is troubling because he is not associated with my account in any way. He also DID NOT attempt to make changes to my account. I am not even certain how his name would have been associated with my account. I called Comenity this morning and they can not explain how the name was attached to my account. This is very troubling because the account has already had fraud reported on it that I did not report. This is the initial report that caused all of the problems. I am not getting answers from any of the customer service representatives because we do not speak the same language and do not understand each other. I want a full investigation into this.
Consumer complaint received 2020-04-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (ID)

We submitted a check with a mortgage statement at our branch for our XXXX payment on Friday, XX/XX/XXXX, it was not considered late until the XXXX. Unknown to us, the branch employee misapplied the payment to the wrong account. About a week later we received a default letter for not making any payment on our mortgage. We called the mortgage servicer and they said they would " as a courtesy '' write off the late fee. We spoke to the bank branch manager and she apologized and promised they would back date the payment to the XXXX as it should have been. We received a statement today that shows they still count us as having a late payment. We can not seem to get them to date the payment to the day we made it. We do not want this on our credit as a late payment and we are currently in the process of refinancing so this could really hurt us. Thank you for your help.
Consumer complaint received 2022-12-28
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. (SC)

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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

WHEN TRYING TO MAKE A MONTHLY PAYMENT ON XX/XX/2020 I DISCOVERED OUR ACCOUNT LOAN WAS CLOSED. APPARENTLY THE LOAN WAS SOLD BY DITECH AS PARTY OF THEIR BANKRUPTCY BUT WE RECEIVED NO NOTICE FROM THEM AND HAD PAID BY PHONE ON XX/XX/ WITH NO INDICATION THEN OF ANY LOAN OWNERSHIP CHANGE FORTHCOMING. IN ADDITION WE HAVE RECI=EIVED NO " WELCOME '' LETTER FROM ANY NEW LOAN SERVICER, BOTH OF WHICH I UNDERSTAND ARE REQUIRED BY LAW. I CONTACTED DITECH BOTH BY PHONE ( SHORT TERSE RECODING SAYING LOAD SOLD ) AND THEN BY EMAIL WITH NO RESPONSE. 
WE ARE A MONTH BEHIND ON THE PAYMENT AND NEED TO MAKE A PAYMENT TO AVOID BEING FURTHER BEHIND, EVEN IN THE MIDST OF THIS VIRUS ISSUE AMERICA IS GOING THROUGH. I AM XXXX AND MY WIFE IS XXXX, WE BOTH WORK XXXX  AND NEED HELP.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

Ive been an American Express Bluebird member for a few years now and never had a problem until now. On XX/XX/2020 bluebird wrongfully suspended my account, my account is associated with my job so I get direct deposit and I also still have money on that card. On the same day of XX/XX/2020 bluebird locked my account due to me putting my password in wrong to many times on the mobile app because my phone screen is cracked. I then called bluebird customer service at 2 separate times and had to wait a total of 4 hours ... when I finally spoke to an agent I gave her all the info to unlock my account which included : my name, email associated with the account, my social security number, my date of birth, my card number, my answer to the security question needed to access online banking, and also the cash app card number linked to my account. After I gave her all my information she put me on hold and after 6 minutes she hung up on me. I called back and waited another 2 hours and got no answer, I then received an email stating that my account has been suspended. At the time of this suspension I was trying to buy my kids a box of diapers and something to eat, I had enough money on my card to make this transaction and I still have money on that card that I can not get access to. I really need help because every time I call the automated system says your account has been suspended goodbye and they hang up, Im a single father and I dont know what to do at this point.
Consumer complaint received 2020-06-09
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: SYNCHRONY FINANCIAL (IL)

I was alerted that someone used my card fraudulently for services that were not even related to my name or anyone I know. I reported them and Care Credit has not been handling this seriously. They never removed the amount and have been reporting this to the credit agency ever since. I have used Care Credit for over 15 years and have always paid off my balances, I have worked hard to get my credit score higher and don't want to risk that. I feel strongly they are ignoring my pleas for help and not taking the situation seriously. I am on full XXXX and financially need to have good credit as I move through my life. Thank you