davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OneMain Finance Corporation (CA)

On XX/XX/XXXX my father and I went to XXXX XXXX ( auto dealer ) to purchase a vehicle as " pre-approved '' with me as the purchaser and my father as a co-signer. I submitted pay stubs, bank account information, ID, etc. We were given the options of vehicles in our approved price range. We picked a vehicle, gave a {$500.00} cash down payment along with my personal vehicle as trade in. When it came time to sign the paperwork I was told that I would not be on the loan initially but would be added to the loan after 30 days. After XX/XX/XXXX I called One Main Financial to be added to the loan. I was told that I was not able to do this, that I was not on the loan or vehicle registration. Yet, payments are deducted from my bank account and I hold the full coverage insurance on my policy. The vehicle has had issues since the second day of owning the vehicle. The power train warranty did not cover any of the issues that came up due to certain aspects of the vehicle being worn. The XXXX report provided was inaccurate and repairs have totaled the thousands in the last 13 months. The vehicle has been maintained with repairs and regular maintenance ( I have all records ) the vehicles engine has blown despite all the work and troubleshooting thus far. Looking back at loan documents, we were not provided copy of the financial application. After many phone calls with One Main it has come to our attention that XXXX XXXX falsified the loan application citing my income for my father 's as well as my father 's insurance and his ID only and gave no credit for the vehicle I traded in. The contract is not valid. This dealer and finance company ran a scheme on my elderly father, had him sign under durrest and under the impression that he would not be solely liable for the balance. We need help with this predatory lending and want recourse for all payments and repairs and hardships made to date. The vehicle is currently XXXX valued at under XXXX, the loan balance is over XXXX, payment is XXXX a month with 21.15 % financing and a new engine is between XXXX. After asking for help with the vehicles cost - XXXX XXXX only offered for us to refinance and ask for more money to fix the vehicle. Thus, replacing the invalid contract with a valid contract and covering up their scheme. They have my father 's income listed at over XXXX a month when in reality it is XXXX a month. One Main refuses to help even though they've acknowledged that the information provided by dealer was false and redirect me to dealer and say it's valid because my father signed the contract. Attaching contract that has no mention of XXXX jeep commander traded in, proof of the insurance I hold, proof payments for monthly payment and registration are paid by me and false XXXX reports where we just noticed pages are cut off at random areas of report.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (MD)

XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDUXXXX account. 

XXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Experian continued to stall investigation after identification was mailed initially and thereafter XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDU/XXXX account for second time XXXXExperian proceeded to stall investigation after identification was mailed initially XXXXThird letter mailed requesting reinvestigation of account and inaccuracies XXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Letter mailed certified to Experian listing all inaccuracies and providing proof of inaccuracies across all 3 credit reporting agencies XXXX Information remains unchanged with Experian and account status updated to " Completed investigation ; customer disagrees ''
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am unfortunately going through a divorce. On XXXX XXXXXX/XX/2022 I contacted Capital One and shut down my XXXXXXXX XXXX Capital One XXXX Card ( ending in XXXX ) so that my wife could no longer use it. The account was closed and that card was no longer usable by anyone. Capital One issued me a new XXXX Card and mailed it to my new post office box address. On XX/XX/XXXX and XXXX, before I had even received the card ( ending in a different final XXXX numbers ), before that card had even been activated by me, Capital One and XXXX Card made that new card available to XXXX online. My wife was then allowed to use that non-received and non-activated Master XXXX XXXX times for a total of XXXX}. I immediately contacted Capital One and reported the fraudulent charges and they shut down that new card and issued me yet another card ( current active card ending in XXXX ), which this time they took steps to ensure the new card was not made available to XXXX before I had received or activated it. I received notification today ( XXXX XX/XX/XXXX ) that Capital One has rejected my claim of fraudulent use and expects me to pay these XXXX charges.
Consumer complaint received 2024-02-20
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. (CA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-24
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: PNC Bank N.A. (CO)

I placed XXXX orders for XXXX from XXXXXXXX XXXX XXXX XXXX XXXX. 
I didn't hear anything back until recently and they say I didn't send in my support information and I did via email and have proof XX/XX/year> for {$50.00} ( this order was never received, the company didn't track it, just mailed from overseas and it was probably lost. NO TRACKING or insurance ) XX/XX/year> for {$50.00} ( this XXXX arrived but it was expired, i sent photos to the company and to PNC ) the charges went through- XXXX XXXX mailed in all of the information they requested but they say they didn't receive it. I sent it in via fax and via email. I am unsure they would wait almost XXXX months to let me know they didn't receive any information from me. 

I have reached out to this company who sold this so many times and I know this isn't PNC 's problem but it shouldn't be this difficult to process a dispute that is so XXXX and XXXX and how am i sure they get the information I sent to them moving forward or ever? 


I sent the details to PNC via email and XXXX XXXX I have those saved sent emails.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

My debit card was stolen and used while I was incarcerated and {$930.00} was charged on multiple transactions. I was released on XX/XX/XXXX and I reported the unauthorized transactions to SoFi. They opened a dispute and I received notice on XX/XX/XXXX that the dispute had been finalized and no refund would be given. I replied and disputed the findings on XX/XX/XXXX and they closed the dispute on XX/XX/XXXX. I responded multiple times over the following two days. I made many phone calls in the next few weeks. Due to the unauthorized transactions, the account went negative {$45.00} and was closed on XX/XX/XXXX. I called and spoke with a representative on XX/XX/XXXX who reopened the dispute and sent me the reason for my dispute being denied. SoFi states that the merchants were known merchants of mine. Yes, I have eaten at XXXX, but I was in prison over 5 hours away from the merchant. All transactions were run as credit and my pin was not used. Another reason that they gave was that the debit card was not reported stolen within two days, but I was not able to report it as I did not know until I was released on XXXX and I reported it the same day. I have called and opened the dispute again and have provided legal proof that I was incarcerated and today I received notice that it was closed and denied again. I could not have spent this money, did not spend this money, and should be completely indemnified as my money should have been insured.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BOK FINANCIAL CORP (FL)

Weekly payments of {$36.00} not being applied to principle. Each week I send the bank a check for {$36.00} with a letter that contains specific direction to apply the payment to my principle. The letter says " Please apply this payment to my loan principle. My loan number is [ # ]. If you have any questions, you can reach me at [ phone numbers ]. '' The check also says " PRINCIPLE ONLY! '' on the memo line. I mail this check and letter to their specified address of BOK Financial, XXXX XXXX XXXX XXXX, OK XXXX. I photograph every check and letter I send them, because I've been consistently harmed by the bank. I have attached all of my {$36.00} payments from the month of XXXX, XXXX, which should cover the misapplied payments shown on my XX/XX/year> statement. If the bank needs a different check/letter, I'm happy to provide the documentation. These documents have been scrubbed of personally identifiable information.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion, I want to show you how AWESOME XXXX IS IT SHOWS THERE'S STILL GOOD PEOPLE IN THIS WORLD THEY SAW THAT I SETTLED THE ACCOUNT WITH XXXX XXXX XXXX  ON XX/XX/2023 AND ALSO THEY DIDN'T WANT TO INTERFERE WITH MY LIFE. HIW COULD ANYONE PAY A BILL I LOST MY JOB JOB DURING THE COVID-19 CRISES. ALSO THEY DIDN'T WANT TO INTERFERE WITH ME GETTING A MORTGAGE. SEE ATTACHMENTS FOR PROOF THERE'S STILL GOOD PEOPLE IN THIS WORLD.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

PNC Check # XXXX Fraud Complaint 2023 XX/XX/2023 - Check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX the amount {$4500.00} from PNC Bank account # XXXX. It was mailed the following day to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Check # XXXX paid/posted to my account. I did not verify the payee as I have been mailing checks to the payee at this address for 4 years. 

XX/XX/2023 Monthly invoice from XXXX XXXX XXXX XXXX of XXXX was received. The {$4500.00} credit was not reflected in the balance. I then reviewed the check copy and discovered the fraud. The payee had been covered with a plain sticker and the name XXXX XXXX was written in the payee section. The back was endorsed by XXXX XXXX and deposited to XXXX XXXX mobile banking. 
Both XXXX XXXX and PNC Bank honored the altered, and thus fraudulent, check. 
I immediately contacted PNC Bank. PNC Bank then mailed an affidavit to me to be completed, signed, and notarized by XXXX XXXX XXXX XXXX of XXXX XX/XX/2023 I met with XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX who completed the form and had it notarized while I was there. She informed me they had filed a police report and a postal investigation. 
I took the completed form to my PNC branch that afternoon. It was then faxed internally to their fraud department. 

XX/XX/2023 I followed up with PNC customer service having received no response from their fraud department. I was directed to the XXXX department line, XXXX, option XXXX. No one answered the phone. The recording instructs the caller to leave a message and they will respond within 48 hours. No response received. 

XX/XX/2023 Another follow up call was made to the XXXX department line. Same recording. No response. 

XX/XX/2023 I contacted the local branch representative, XXXX XXXX, who had faxed the affidavit on my behalf. I asked him to file a complaint. He did. He received the same non-answer/no response from the XXXX department. 

XX/XX/2023 XXXX XXXX called me after making several inquiries on my behalf. He also sent an email stating he was told PNC policy and procedure which is 120 days to resolve check fraud. He also said he was told PNC views this as XXXX XXXX problem and their time frame is 240 days. XXXX XXXX is the only person at PNC who has shown any interest in trying to resolve my issue. 

120 240 days is total and completely unacceptable. Neither bank should have honored the check. PNC needs to credit my account ASAP. This is a clear case of fraud. PNC should have never paid the obviously altered check.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AR)

Please see the attached screen shot of this fraudulent account ( XXXX ). First of all I do not have an account ending in ( XXXX ) I do however have an account with XXXX XXXX  XXXX XXXX XXXX ( XXXX ) OPEN-END LINE OF CREDIT AGREEMENT with account number Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Manager XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Subject : XXXX Billing Error This account has never been late and has been paid as agreed.
Consumer complaint received 2023-04-03
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. (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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries

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. Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I wa
s never late.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I'VE TRIED TO REACH OUT TO EXPERIAN TO RESOLVE THIS ISSUE MULIPLE TIMES FOR THE PAST FEW MONTHS AND THEY DO NOT RESPOND. I HAVE NOT HEARD ANYTHING BACK OR BEEN PROVIDED WITH ANY UPDATES.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (CA)

Experian multiple dates over past year. My complaint is that their phone number for consumer help does not have an option to talk to a human being XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX RE : Account # XXXX ( XXXX ) ; Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account # is INCORRECT ) ; XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX  to the Debt Collector XXXX XXXX XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, {$98000.00} Charged off ( C/O ) XXXX XXXXXXXX XXXX  Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account XXXX XXXX is INCORRECT ) {$100000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX  to this Debt Collector XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account is XXXX, {$69000.00} Charged off XXXX XXXX  ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Kohl 'sXXXX XXXXXXXX has informed me that I will be receiving a Kohl 's Rewards XXXX  card. I did not request this card. Furthermore, I was told that I have to first receive the card sometime in XXXX before I can cancel it. Also, I can continue to use my existing Kohl 's store card after that date. If such an option exists, shouldn't the current store cardholders have been given the choice to sign up for a XXXX card? Closing a card with no activity might negatively impact my credit score and I find this highly objectionable.