davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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. (FL)

On XX/XX/2021 I was alerted of a credit inquiry on my credit for the US Small Business Administration ODA. I contacted the SBA and verified I did not submit this request and it was an attempt of fraud utilizing my credit. I have placed credit freezes, filed police report, contacted credit bureaus, and submitted fraud alert with indentitytheft.gov. Would like this inquiry removed.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. XXXX has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called XXXX and they are telling me they have zero information on my account. I called Experian and the other two credit bureaus and they both are laying the blame on XXXX. I filed a complaint with Experian in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what XXXX has been doing as they have my full late payments listed as far back as XX/XX/XXXX.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received pre-approved letter for auto financing from CapitalOne. Im this letter that state I would have a limit ranging from {$4000.00} to {$35000.00}. Pursuant To Title 12 U.S. Code 84 banks and financial institutions that are part of the XXXX XXXX  XXXX has not LIMITS ON EXTENSION OF CREDIT BASED OFF OF SOME ONE SURPLUS OR CAPITAL. CapitalOne is also advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.

My income pay stub and capital/surplus is not a factor is this Consumer Credit Transaction. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NM)

In XXXX of XXXX my husband and I closed on a loan with Rocket Mortgage. 
First problem was the lenders fee was over XXXX more than he had quoted after promising that amount. We have never received any documentation about interest paid on the mortgage loan for XXXX. Never received any information on the appraisal. I don't think I have ever had a home a appraisal where someone walked in with their cellphone waiving ( literally ) around taking photos and left in no more than 10 or 15 minutes. That was done by XXXX. 
About 10 days ago I arrived home from a XXXX XXXX. Which I have been enduring since late XXXX. Up pulls the XXXX with an unkind letter from XXXX XXXX with XXXX, claiming we have been unresponsive to her emails ... ... .SHE HAD THE INCORRECT EMAIL. Also commenting we had been incorporative. We have had the same cellular phones for over 15 years. She needed a copy the warranty deed, they didn't have couldn't find. She is titled as a Post Closure Specialist. We have complied with every request. They wanted an Ariel View of the property we did it, whatever they have needed we went down to the courthouse and found it not the title company. We have now sent them a copy of the warranty deed. THIS IS BEYOND BELIEF. THE LOAN CLOSED LAST XX/XX/2020. I will not be doing business with them in the future. Just received a closing paper in a pretty red and black box last week. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (NJ)

Cashapp blocked my account due to suspicious activities. I was asked to contact them to have them give me access to their account. Ive contacted them numerous time and they give me an automated message that my account is being worked on. This happened on XX/XX/25 and they have not answered me or given me any information
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Consumer complaint received 2023-06-29
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: AMERICAN EXPRESS COMPANY (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

https : //www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Advance-Checking-Account-Offer-HSBC-.pdf Open your new HSBC Advance checking account online by XX/XX/2018 and ; - I HAVE OPENED MY ACCOUNT ON XX/XX/2018 Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and - I HAVE DEPOSITED ATLEAST {$10000.00} WITHIN THE 30 DAYS OF ACCOUNT OPENING AND THE MONEY IS STILL THERE UP UNTIL TODAY. 

Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. - QUALIFYING BALANCE IS STILL ON THE ACCOUNT FOR MORE THAN 90 CALENDAR DAYS. WHICH IS NOW ATLEAST 8 MONTHS. 

I HAVE ASKED OVER THE PHONE FOR THIS ISSUE BUT THEY COULDN'T GIVE ME AN EXACT ANSWER BESIDES THE WORD - DENIED BUT NO EXPLANATION ON WHY. 

I HAVE SENT SECURED MESSAGES THROUGH THE ONLINE ACCOUNT BUT STILL NO LUCK. THIS IS THE LAST CONVERSATION AND THEY NEVER SENT ME ANY LETTER OR EXPLANATION - " Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer. Base on your previous BankMail communication, your concern has been forwarded your request for the approval to Network Head through Area Manager. Once we receive an approval we will inform you via BankMail. "
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Help, please. 
Trans Union credit report bureau, as of XXXX, reporting that I have delinquent and derogatory accounts and, therefore, have lowered my credit score.

I do not have any delinquent and derogatory accounts. I repeat, I do not have any delinquent and derogatory accounts.

All my accounts are up to date. I do not know the problem with the Trans Union credit report bureau company and why they are reporting false information about me. 

I want the company to provide me with all the delinquent and derogatory accounts that they claim I have as soon as possible.
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Relief Center (DC)

Hello, I got a scam document from a company named the Debt Relief Center XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I live in Washington, DC for reference. They advised to me in the letter ( also attached as a PDF ) that my 'IMMEDIATE RESPONSE TO THIS SECOND NOTICE [ was ] REQUESTED. ' I never received a first notice. They advised to me that I have an 'estimated ' {$13000.00} in unpaid credit card debt. In actuality, I have about {$5000.00} and I just purchased a home, so I also have a mortgage. They are proposing a settlement offer but advised they can only do so 'once we have been contacted ... ' This is a scam and I want to ensure that this company is not only dismantled, but charged for extortion.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (IL)

I contacted the credit bureau because I had 4 fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hello, I received a copy of my credit report and to my surprise I seen a collection account on my report from Portfolio Recovery for {$460.00}. I have never had an account with this company. I have contacted them serval time to confirm that the account belongs to me. I have asked for documents that has my signature on them and there proof of verification. It's been three months and still I have not heard anything from them.I would like your help with getting this resolved. 

Thanks,
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

The bank chime I signed up for a credit builder soon as I signed up for credit builder they started transferring without my permission the money I was putting into my regular checking was automatically getting transferred to the credit builder to a secured account that only they can touch and not me and this went on until I caught it and they have not done nothing for me Im not giving my money back they stole my money there is Adjustments for no explanations and my money just gone it doesnt add up to the withdraws to the deposits nothing adds up Just negative results and my money is out of sight
Consumer complaint received 2024-01-29
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. (MA)

I am writing to bring to your attention an ongoing issue with Experian, which remains unresolved despite my attempts to rectify the situation. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies in my credit report. Regrettably, to date, I have not received any response from them. The details of the inaccuracies and the required corrections are outlined below : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I was unemployed as of XX/XX/XXXX. I requested a forbearance due to Covid and have submitted all the paper work. I have applied for unemployment in the State of GA on XX/XX/XXXX and submitted my 1st claim on XX/XX/XXXX. After submitting the paperwork I was told that since I have not received an eligibility letter I would not qualify for forbearance. The GA Dept. of Labor has my status as pending for eligibility.
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC. (CT)

XXXX 's was my employer from XX/XX/XXXX until XX/XX/XXXX and during that time I used bereavement time that was given to me and approved by my supervisor. I had called to talk with payroll about my bonus that I was awarded and the woman I spoke with had decided that I had used too much time for her liking and sent me a bill for {$1300.00} which I have no idea how she came to that number. As I said my time off was approved by my supervisor therefore this debt is not valid. Can you please contact me with details on how to move forward. 

It is now at collections Commercial Services Group XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (PA)

I recently opened a line of credit with a company called XXXX. They transferred my loan to Monterey financial. My first payment of {$130.00} was due on XX/XX/23. I set up recurring payments on XX/XX/23 to have the bill paid monthly on the due date and have the email for reference. On XX/XX/23 I checked my checking account and they took out the {$130.00} as well as an additional {$120.00} without my approval. When I visited my Monterey financial account, they did not have any payment history available for me and it now is reporting my account is past due {$250.00}. I attempted to contact them with no success. Their lending practices are predatory in nature and based on multiple reviews I can see I am not the only person with issues with Monterey financial.
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have called transunion numerous times. I would like these inquiries removed from my report immediately. They are on violation and I demand the inquiries deleted immediately
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NY)

I have a line of credit, XXXXcredit card with M & T Bank . I lost my credit card on XX/XX/2024. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card on XX/XX/XXXX. When the representative went to review the summary of charges, they found a transaction for {$5700.00} from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2024. ( XXXX days after it was noted that my card was lost which was XX/XX/2024. I did not receive a fraud alert notification for the transaction of {$5700.00} from XXXX XXXX. I did not receive any fraud alert via email or text about this transaction. Because of this, this fraudulent transaction was allowed to go through without my knowledge. I was not able to reject and deny the transaction because of the lack of alerts. M & T Bank initially went through with my fraud claim. A customer service representative I spoke with over the phone told me that the charge would be reversed and credit would be granted. The fraud claim was later rejected. This was different and opposed to what was originally assured to me. This is my 1st fraud claim with M & T Bank. Transactions like these should have fraud alerts to notify the cardholder. Unfortunately, M & T Bank never gave me one. The charge is unusual and uncharacteristic with the history of charges made on my M & T Bank credit card. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of {$5700.00} from XXXX XXXX is back and still on my M & T Bank CC account. This unfortunate circumstance is a huge inconvenience to me. If this situation isnt, handled properly I will never bank or do business with M & T Bank again.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TN)

I hadnt logged into my crypto.com account in some time and now that I try it says my device is jailbroken even though it isnt. Ive tried multiple devices, Ive contacted them via XXXX ( XXXX ), email, their support chat and can not get any kind of response or help!
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Entrata Inc. (CA)

I went on the XX/XX/22 to apply for an aparment I ask for the requirements for that and I got told the they run the credit and we need to make 3 time of rent to get the place Okay on XX/XX/22 we did the application but I call the person and I told them clearly that my incomes was high but my credit low and if that its still not qualified for that the lady told me thats fine how many people is apply i told her 3 but 2 of them didnt make enough money and the 3 person who is my mom shes not income but good credit she told me well thats okay you can qualify I need you to pay XXXX dls fee plus XXXX dls for deposit and hold the place ntill we do all the process after one week no call on XX/XX/22 we call they said yeah you can get the place today I just need some information we wait on XX/XX/22 at XXXX am they call me to tell me the they didnt run my credit and the we got denied when they told us were going to get the place and when i call they told me first the it was one of my roomates credit the they were to call to see because an fraud alert and at XXXX the same day i call and they told was because of my credit but my credit was frozen thats why they got that alert now we didnt get the place and we losse the money