davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
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. (FL)

XXXX  had multiple inaccurate information on my credit report as I spent 3 years attempting for them to get it right, It was fixed and my score was XXXX. I also am going threw identity theft for over 10 years And had a unknown inquiry from a creditor that I already had so I disputed the inquiry ... XXXX Theyvremoved the 6 years of payment history and left the Hard inquiry I never gave permission for. They also let the fraudulent activity happen when this persons runs my credit while I have made a police report, Identity theft reports, credit freezes and locks. I now have nothing on my report with XXXX  and am showing as deceased. I have been waiting for the right time to get a auto loan and Am getting extreamly high rates due to no history. I had 100 % on time payments with 3 credit cards and the longest was 6 years. I sent them their own credit reports showing they have reported the acct for years and they refuse to fix it now my score is below 650 and the other credit reporting agencies are receiving the same information I have never been late on anything. I was at XXXX with all 3 beuours and XXXX fico score with all 3. I assumed i would of gotten the beat rates for a auto loan for which i could afford but now all 3 agencies have dropped my score all due to XXXX deleting my 3 credit cards which had a perfect history. Now i have multiple inquiries due to the fact i went into a dealership telling them my scores and getting a monthly payment within my families means and walked out in tears, I've been going threw this for years and they can not keep my credit at the score it deserves No matter what attempts I do to prevent it and how many times I have to dispute it. It comes back. I have made multiple complaints threw your agency as well .All XXXX , XXXX , and experian just refuse to Make my report right even though I have sent them proof of there of their own reports. I have 3 cards XXXX, XXXX and XXXX XXXX No inquiries except for the recent car loans I had no doubt I would of got a great deal.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My account was charged twice of {$670.00} for paying a new telephone at XXXX XXXX. Bank of America deducted twice XXXX. I got credit for one charge the second one I havent got credit for it its in dispute. 
XXXX XXXX XXXX did not want to take a payment from Bank of America requested a different method of payment so I used my chase debit card to pay the XXXX and Im asking Bank of America to give me back my second XXXX with the charge. I submitted all the documentation the statement from a manager of the branch helped me. She looked at my paper she looked. Everything was correct. They still dont wan na solve the dispute. This is been going on since month of And one of the clerk when I was working what she thought because Im XXXX Im hallucinating I should go and ask somebody to help me with my record with my bookkeeping. I know Im XXXX but I still have mind Im not crazy. The branch are very good is just XXXX number or whatever they are headquarter. I filed a complaint no luck XXXX {$670.00} its a lot for a XXXX senior citizen to lose they playing game with me they dont wan na give me my money. Im so disappointed although Im XXXX I still know bookkeeping and I know how to balance my checkbook. Please help me to solve this problem, I have nobody else to go to.
Consumer complaint received 2023-06-22
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. (CA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-22
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. (OH)

I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023 to Experian. On XXXX XXXX, 2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XXXX XXXX, 2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to Experian stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (FL)

XXXX XXXX is making payments to XXXX XXXX for advertising / marketing support to their new product introductory project. Payments are rendered on weekly basis or more often as needed. On XX/XX/XXXX PNC bank decided to flag check XXXX XXXXXXXX as suspicious transaction. Employee of XXXX who has access to the account noticed it and immediately contacted PNC Bank to explain that this is wrong flag and all is good with this transaction. Person who picked up the call was unsupportive and did not listen at all stating that XXXX XXXX owner needs to call them by XXXXXXXX XXXX on that day ( XX/XX/XXXX!!! ) to explain it. When XXXX employee get frustrated with repeating info that man in question is overseas celebrating his holiday break and employee of XXXX requested supervisor at PNC Bank, the operator dropped the call. The next day, XXXX bank account was negative due to the check being bounced by PNC bank against XXXX will. XXXX 's owner contacted his bank and was instructed to reprocess the check do to lack of errors. This is happening right now and at this point we do not know if PNC will refuse it again or not. 
Situation of bank making unilateral decision about clients money and against client 's will ( and normal reasoning- there are other checks between the two and non was ever in question by any of the sides ) is unacceptable! Your intervention will be greatly appreciated.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

Thursday XX/XX/XXXX my loan was cleared to close. On Friday XX/XX/XXXX the closing was cancelled a hour before scheduled closing due to findings on current property. My mortgage broker and myself have been reaching out for answers since the closing was canceled. Today we were told the loan was denied due to the rental agreement being adding after the Debt to income was an issue. This is within QL guidelines. My dti was well below 50 % even without a lease. XXXX didnt like it above 37 % dti so we provided a lease.This issue came up and was resolved after the lease agreement was provided. If this was truly a problem this loan would have never been cleared to close. The ideal of me getting a new property was to use my current property as an investment property. When the debt to income issue came up I just provided the rental agreement to show the property will be rented. The renter lease agreement started XX/XX/XXXX. Now I am in a situation where I have no where to live. Legally I can not evict the renter. I did everything right to make sure there would be no issues during this process. I spoke With multiple people at QL and other lenders about this situation. It does matter what time during the process you resubmit the rental agreement. That should not be a reason to deny the loan. The house is current being rented. The rental agreement starter XXXX and my loan is being denied on XX/XX/XXXX due to a issue with my current home being rented. If the house is currently being rented why is this a issue? No one has ever seen this issue. I honestly feel like I am being discriminated against. I also contacted multiple people by email and no one responded. I am currently homeless. No one from QL would speak to me on this issues. My mortgage broker and real estate agent all feel I was discriminated against and treated unfairly. No reason my loan should have been denied. I also lost all the money I invested in the property during this process
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

ChexSystems has not provided me access to my account, my report they keep or even a pin that I've requested months ago. 
.Also, I changed my information with the multiple times and they still have my old email and old phone number and they will not change these things.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I already have a Chase Quest credit card which I applied for many years ago. They recently sent me a Chase Sapphire Preferred card, telling me I was pre-approved when I never applied for it. I never activated the card and threw away the letter. 

A few weeks later I noticed that the card had been activated and was listed in my Chase app with a {$95.00} fee. I called them immediately and asked them to close the card, telling them I never applied for it or activated the card they sent me. They closed the card immediately and told me this was fraud. They also asked me to call XXXX to report the fraud. I contacted XXXX who then tried to sell me their products, but I just reported the card as it seems to have damaged my credit rating. 

I dont believe this was external fraud as how would someone outside the bank know that they had sent me a pre-approved card? There were also no charges to the card other than the {$95.00} fee. Why would a fraudster open a card and then spend no money on it for several weeks? This makes me believe that it was Chase who just opened a new card on my account without my permission.
Consumer complaint received 2023-04-22
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: Credence Resource Management, LLC (OH)

I am filing a complaint with XXXX XXXX XXXX and Credence Resource Management. I sent my first verify dispute letter on XX/XX/2023 to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XX/XX/2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (NV)

I am a victim of identity theft. My family member got an auto loan and other credit cards in my name without my permission. I fully prosecuted and sued her all the documents will be attached. 

Please help me this is hindering me and it is in fact identity theft. 

Please remove this fraudulent account
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I received emails notifying me that a new bank account had been opened in my name at Bank of America, and I do not have any accounts there. I called their fraud department at XXXX and reported the fraud. They said it had been opened online, investigated my claim, and confirmed the account had been opened fraudulently using my name, date of birth, and social security number. They immediately closed the account. This exact same thing happened to me in XXXXXXXX XXXX XXXX, after which I filed all the necessary claims, complaints, and freezes, so I am appalled that it happened again with the same bank. All of the freezes are still in place. How did this happen? Bank of America should not have opened the account with all of the freezes and alerts I have in place.
Consumer complaint received 2023-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage took over my loan after XXXX XXXX XXXX sold it to them in the process of the pandemic modification. All the while that Carrington received my loan they stated they were waiting for the package from XXXX XXXX XXXX, I made mortgage payments every month according to the amount agreed on with XXXX XXXX XXXX. Carrington originally had that agreement but wants me to sign a new package with a different interest rate, higher balance and has sent inaccurate information to my credit report agency. They claim they sent me a package by email when they first got the loan and that I had to print and sign, that has expired and now they won't honor those amounts. That is pretty tacky. They state I am delinquent on my payments and I have proof that I paid the mortgage every single month since they took over. Now I am being forced to sign a package that I do not agree on, XXXX even stated that Carrington must honor the same package they sold to them and Carrington now refuses to accept a payment until I sign. I am frustrated beyond that this company is getting away with doing this to consumers! My credit score is very low because they are stating I have not paid a payment in 13 months or so, which is false and I have my bank statements to prove it. It's funny how they have accepted all my payments. Not to mention, when I call them you can not get a direct person they tell me I have to speak to some guy XXXX XXXX who only communicates by email. I have spoken to him one time on the phone. They call me everyday to ask me for the signed package and I have to keep explaining my story. Please tell me what my options are.
Consumer complaint received 2024-05-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My husband and I closed on a VA OTC construction loan with Cardinal Financial in XX/XX/XXXX. According to the executed draws that had been paid and a review of the XX/XX/XXXX statement showing the undisbursed construction funds, we should have had approximately {$37000.00} left over in construction funds. Our breakdown is as follows : XXXX Remaining Undisbursed Construction Funds ( as of XX/XX/XXXX mortgage statement date ) XXXX Revised Draw # 8 Amount ( Signed by XXXX XXXX XXXX XXXX on XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX XXXX Interest Payment for XXXX ( XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX However, our online Cardinal Financing mortgage account shows multiple payments on XX/XX/XXXX in the amount of XXXX with no detail as to where those payments went. 
Neither the XXXX XXXX XXXX XXXX  mortgage statements from Cardinal show any transcation activity in the amount {$29000.00}. 

On XX/XX/XXXX, I inquired about this via email to XXXX XXXX of Cardinal. She responded on XX/XX/XXXX that she was forwarding my, concern to her manager, XXXX. I have not heard anything from XXXX XXXX, XXXX or anyone else at Cardinal since that time. 

If these funds have improperly converted to Cardinal Financial 's own use, this is wholly inappropriate as we were forced to obtain a XXXX personal loan to pay for what was presented as a " shortage '' at the end of our construction. Had these funds not been improperly converted, no loan would have been necessary. We are seeking the return of the amount of {$29000.00} and any additional penalty imposed by the CFPB. My husband is a veteran who served his country and he should not be taken advantage of in this manner. Cardinal made the situation worse by not even responding to our very legitimate concern.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates thw report by mre than seven years.

15U.s.c 1681s-2 ( A0 ( 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or a 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.
Consumer complaint received 2024-05-22
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)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-29
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 (NC)

I was working on my credit and I was thankful and excited to see my score going up. I had planned on getting one card and possibly a small loan and would work on my credit for a year or two. While at my parents home, I mentioned to my family that my score was going up just as any child would tell their parents to make them proud. I didnt realize it at the time but my brother in law had several of his friends and family over that day but I didnt think I was loud enough for someone to hear that I was being sent credit card offers from capital one, XXXX XXXX, XXXX XXXX XXXX  and more. I thought I could trust eveyone in the room but there were a few I didnt know. Now I do not know if this is how the fraud started but I do remember talking about Capital one and a couple of other banks sending me card offers because I was excited to see my credit growing after 10 years!! A whole year went by and I didnt know what was going on at all. 

In XX/XX/2022, I found out that a Capital One credit card for the amount of {$300.00} had been opened in XXXX of XXXX, a limit of {$600.00} with XXXX XXXX through XXXX XXXX  and several credit inquiries preformed on my credit report. The XXXX XXXX account was opened near the same time as capital one. I immediately emailed and told capital one and XXXX XXXX  that I was a victim of fraud. Capital XXXX stated they would send me documentation of any charges and dates but I had to go get information myself. 

I didn't write the companies but I did call and did everything I knew to do but maybe I did something wrong. I say that because now I have charge offs on my credit report for capital XXXX and XXXX  XXXX. The credit collection agencies are XXXX bank for XXXX XXXX for {$410.00} ( a settlement ) and XXXX XXXX Incorporated for Capital One for {$470.00} ( settlement ). 

What do I do now???? I need to get my credit report updated and be able to apply for a credit card that I am being sent preapprovals for as well as a personal loan but this sure has messed things up for me and my credit score is low when I need to be able to make payments on items by getting approved for a card and/or a loan so that I can. Afford the items I need. 

Please let me know what to do. 

Thanks! 
XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove them immediately in my report : XXXX XXXX XXXX