davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

I am in the process of XXXX my home. When when the company I am refinancing with checked the title it still had a lien on it that I paid off on XX/XX/year>. That bank that I had the XXXX  with ( First Commonwealth Bank ) removed the lien from the credit report but did not remove it from the title. When my mortgage lender attempted to call to get this resolved with First Commonwealth Bank... he got the run around and no resolution. I just got off the phone and after XXXX minutes and being placed on hold XXXX times I also got the run around with no resolution. They said they couldn't find the loan because it was so old ( XXXX ) and there was nothing they could do. So now I can't ever XXXX? This is unfair, don't banks keep records?
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2022 someone opened a Capital One account in my name they applied for a line of credit trying to obtain a credit card in my name using my personal information without my knowledge or authorization and Capital One allowed them to do it instead of consulting with me first as it is stated on my credit report to do so through XXXX XXXX failed to contact me to let me know through the fraud alerts that are on my account with them to let me know about this transcation that was transpiring at the time when it was being committed and now I have soft inquiry on my credit report that has not been removed that needs to be removed for something that I did not authorize due to the negligence of XXXX. On XXXX XXXX 2022 someone also applied for a loan through XXXX XXXX XXXX in my name without my authorization without my knowledge yet once again here my identity has been misused improperly. I did file a identity theft with the Federal Trade Commission reporting that my identity has been stolen thru XXXX which should be on file stating that no one should be submitting fraudulent accounts in my name and that I am a victim of identity theft. I have gone through great lengths to try and keep my credit secure on my accord to the best of my ability by placing freezes on all of my credit reports and setting up security fraud alerts but to no avail hackers and scammers are still trying to open up lines of credit in my name using my persona i formation which they have obtains falsely without my knowledge or permission and they are still opening credits in my name and I have asked repeatedly for this matter to be corrected but to my avail no measure of action has been taken by the credit reporting agency XXXX I am a hard working American who pays her taxes faithfully every year and I should not have to live in fear or live like this knowing that the credit reporting agency is saying that they are monitoring my credit just to find out that they are allowing my credit to still be used in a inappropriate manner by imposters who are imposing as me to obtain something falsely using my name. They are not monitoring or protecting my credit like they claim they are and I have tired contacting them through the numbers for the customer service online but they want answer the phone they have some automated system that is set up which is not helpful for a person like me who actually likes talking to live people and I would like it if someone did something about this matter because its effecting my credit scores which is causing me to have bad credit which is not my fault I am suffering at the hands of some one else mistakes and I should not have to have these inquires on my credit report which I know I did not apply for none of these things in my name and I really need for someone to look into this matter as soon as possible please.
Consumer complaint received 2023-12-12
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: ACIMA CREDIT, LLC (CA)

I initiated a credit dispute with Acima XXXX XXXX creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom.com put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to Nordstrom at the time that my bank card had fraud done so my bank put a stop on payments and Nordstrom happen to be one of them. This happen twice. Each time I let Nordstrom k ow what was going on and when bank was cleared I did make the payments. Nordstrom still put this on my credit and refuses to take it off. I want this off my credit.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MT)

On XXXX XXXX 2015 we had a bad storm damage our house and completely destroy our shop. We had our inspections and the insurance XXXX sent out the checks for the claims. We had to sign the checks and send them to the mortgage company -Nation Star. We still to this date have not gotten the money back. We got the roof, window and all the debris removed on our own dime ( other than the roof we got a check from them for that ). So we sent in our receipts and got a 100 % done inspection done by their investigator and still have not gotten any money. As advised by our lawyer we have not paid any mortgage payments for the last few months. We have asked for inspection report and have jumped through every loop given to us but we still have not gotten anything from them. We signed a letter stating that the past mortgage was to be taken out of the money owed us then the remainder was to be sent in a check XXXX. Every single time for this almost full year we have done what they ask of us and they are making money with money that is due us.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999.
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (LA)

I have been called nonstop from XXXX XXXX XXXX plus the main number at least 10 times a day over one missed payment for weeks now. I will be logging in to fix whatever billing issue there is, but calling me at the peak of dawn AND from private numbers while I am at work CONSTANTLY is borderline harassment. I have never had any other credit card agency do this to this extent before. Insane.
Consumer complaint received 2024-04-11
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (OH)

My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. 

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION (FL)

My name is XXXX XXXX I have my cousin XXXX XXXX went to vystar was try to get a bank account because hes not XXXX they didnt want to open the account for him he came to me and asked me if I can put him on my account I vent to vystar with him I added him on my account he took four fake checks from someone and deposited on my account. Each checks are XXXX each and they had his name on them. When Im trying to get in touch with him to return the money he cut communication with me and he ran away. Im seeking for help because I dont want vystar to report fraud on my credit
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc. (IL)

I've noticed that there was a debt with Afterpay under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that this above mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectifying of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I paid my Bank of America mortgage electronically on XX/XX/2023. 
It was posted to my XXXX XXXX XXXX XXXX account on XX/XX/2023 for twice what I authorized.

I called BOA and submitted the requested documentation.

I only received an automated response, I waited 5 days ( they stated 3 days for a resolution. ) Called on day 5 I was told I had been denied because I did not supplied the required documentation. I spoke with a supervisor who made a three way phone call with my bank. She stated that BOA did have the 2nd payment, it had cleared and she was bringing everything to her supervisor that day. The normal processing time was 24-48 hours and that my monies would be refunded by Tuesday XX/XX/2023. I have not received the monies back to my account. I have also been charged an overdraft fee by my bank due to the error on BOA 's part.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I've had multiple issues with XXXX XXXX  including their illegal debt practices after a bankruptcy stay. Note I was under a bankruptcy stay in XX/XX/, had kept up with my payments and reaffirmed my mortgage debt. After the merger with XXXX, XXXX aggressively and illegaly had tried to force me pay debts without statements, lie about receiving statement and send threatening letter stating they would report payments to the credit bureau on closed accounts.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

Your Company CB/VICSCRT is furnishing inaccurate and incorrect information to the consumer reporting agencies.The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.. This is final opportunity to Cure and DELETE This Erroneous, inaccurate account from my consumer report CB/VICSCRT XXXX Balance : {$480.00}
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (WI)

I had store charge cards from XXXX and Best Buy opened up in my name without my consent. I have contacted the companies to close those accounts and have claimed that they were fraud. I had over {$2400.00} spent at best buy on that card and {$800.00} spent at XXXX in the form of gift cards from what customer service told me. I have since frozen all my credit accounts on XXXX XXXX XXXX XXXX  as well as filed a police report.
Consumer complaint received 2023-08-26
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. (NY)

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 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 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (MD)

I am being penalized for making additional payments on my account which were not made on the due date. Additional payments were made prior to the due date. I called and spoke with two different representatives and they stated, because my payments were not made on the due date, it is not allowing me refinance my loans, basically penalizing me. They suggest i only make payments on my due date in which I will continue to incur interest when I could be saving or avoiding extra interest. I was then hung up on because I asked them to provide me with something in writing. My loan document states that i will not be penalized for making early payments. I have never been late, all my payments have been made on time. My loan agreement was signed on XX/XX/XXXX and per my loan agreement, the first payment will be 30 calendar days after the loan has been funded. My first payment was made on XX/XX/XXXX for the payment amount of {$330.00}. Another payment of {$100.00} was made on XX/XX/XXXX and from there on my payments have been automatically taken from my account on its due date which is the XXXX of every month.
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 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

On my credit report it has been showing the loan going up every month instead of down. I want paperwork as to why. Then they told me they also added over {$600.00} to my loan because I dropped my coverage and I did not drop my coverage. I have not received an amendded loan or anything.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KS)

A lady from this phone number in XXXX MO called and said they were lowering my interest rate in my Chase CC and I knew it was a scam and I hung up. Here is the number ( XXXX ) XXXX
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (AL)

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} 04/30/2018 {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX{$1400.00} COLLECTION ACCOUNT XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX{$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND EXPERIAN AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (TN)

On XX/XX/XXXX, I visited XXXX Chrysler XXXX XXXX Dealership in XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, with the intent of purchasing a XXXX XXXX valued at {$40000.00}. I sought assistance from the sales consultant, XXXX XXXX, who collected pertinent information, including my social security number, to facilitate the financing process. Acting under the guidance of manager XXXX, XXXX XXXX initiated funding applications with multiple lenders on my behalf. 

Subsequently, Manager XXXX communicated the outcomes of these financing endeavors. While Chrysler Capital extended approval for the requested amount, they conditioned the approval on a substantial down payment of {$12000.00}. In response, I asserted my rights under the Equal Credit Opportunity Act ( ECOA ), specifically referencing 15 U.S.C 1605, which prohibits mandatory down payments for individuals with " favorable '' credit. 

The dealership, however, contended that their internal policies superseded legal mandates, as conveyed by Chrysler Capital Underwriter XXXX. In an attempt to engage in a meaningful discussion with the underwriter, I proposed a conference call facilitated by the dealership, but this request was summarily denied by XXXX XXXX, citing a reluctance to comply regardless of legal stipulations. 

Complicating matters, the dealership utilized my social security number without providing any discernible benefit, potentially constituting unauthorized credit card usage under 15 U.S.C 1602 ( p ). Despite my desire for a thorough review with the underwriter, the dealership declined to initiate the necessary communication protocol as outlined by the credit application process. 

The denial of credit and subsequent embarrassment inflicted by the dealership 's employees prompted this formal complaint. My singular objective is to secure approval for the purchase of the XXXX XXXX under fair and compliant terms, aligning with ECOA guidelines. I anticipate a resolution that upholds legal standards and affirms my ability to secure financing through Chrysler Capital. 

In light of the foregoing, I call upon Chrysler Capital to honor the principles of fair lending and adherence to relevant financial regulations. May this matter be resolved justly, ensuring that the acquisition of the XXXX XXXX is conducted in accordance with established legal frameworks.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bepensa Capital, Inc. (FL)

On XX/XX/XXXX I was instructed by XXXX real to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false. My information was sold to another debt company and and is being reflected falsely on my credit report.