davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The company advertises a credit card ( Savor One ) with rewards and a cash back offer. The cash back offer is very generous. However, Capital One would never have to honor this offer if a large percentage of applicants are denied. I was denied approval of this credit card despite having an exceptional credit history and score. Within minutes of the declination email from Capital One, an application was submitted to XXXX XXXX   XXXX XXXX for one of their advertised credit cards. XXXX approved the application. 

Credit card application ( ID # : XXXX ) submitted to Capital One on or shortly before XX/XX/XXXX and subsequently denied. 

Called Capital One customer service shortly after XX/XX/XXXX with no positive result. 

On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX serving the XXXX, VA area. XXXX ( XXXX ) from Capital One responded to the XXXX complaint with a letter dated XX/XX/XXXX reaffirming Capital One 's position to deny the application. This response to the XXXX was generated after a very brief telephone conversation between me and XXXX with no chance of reversing the decision to deny credit. 

I firmly believe the denial of this application goes beyond information contained in a credit report. One must consider this process as an " unfair and deceptive trade practice '' or some sort of discriminatory practice against retirees.
Consumer complaint received 2022-08-20
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: I.C. System, Inc. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2019 I went to one of Bluebird money pass a bank where I have been going for the past 6 years and was recommended to me by bluebird to avoid atm fees as I inserted my card to withdraw {$400.00} transaction was ok and then reinsert my card for an additional {$100.00} the machine gave a receipt stating my transaction was invalid so when I checked my bluebird balance the {$100.00} was missing, now my account is {$100.00} less than. when I contacted their customer bluebird service super rude btw, they said it has to be disputed and it could take up to 45 days and they also said for me to contact the bank atm which I did the bank teller said contact Bluebird. Not fair since I have bills to pay as a single parent working hard. They can only contact me through email that is mine why should I wait for so long.
Consumer complaint received 2019-10-23
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. (WA)

PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX  XXXX ( COLLECTIONS ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.
Consumer complaint received 2022-07-04
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. (PA)

i didnt authorize or sign a power of attorney or consent in anyway or form for anyone to open up a XXXX credit card in my name for XXXX $ which is fraudulent i never had the knowledge or access to this account I didnt se no contract with my signature and date that the account was open and i tried to reach out and get help they just tryna make me pay for something that does not belong to me and i refuse to pay for this fraudulent account i want it removed off my account immediately asap thank you
Consumer complaint received 2021-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on XXXX and one that I am aware of at this time on Experian. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my Experian Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both XXXX and Experian say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV INC. (TX)

I am a small business. Myself and one employee. I take credit cards for payment. I service and repair just XXXX cars. XXXX of XXXX I did service and repair to a XXXX XXXX that was towed in XX/XX/XXXX and picked up XX/XX/XXXX. Owner paid with a credit card, signed the credit card receipt and agreed to the charges. 
I had a couple of conversations afterwards with him about additional repairs we recommended and gave him advice on having that done. 
With no warning, no request for reimbursement, no dispute of charges by the owner, I received a letter XXXX mail. From Fiserv merchant services .on XX/XX/XXXX dispute Notification. Requesting my response. I contacted and talk to someone familiar with the dispute at the phone number on the letter. on a recorded phone line. I was asked to send in my repair tickets, credit card receipt, and a detail of disputing the charge back. I was requested to send this XXXX mail to a post office box on the letter. I did sell the same morning XX/XX/XXXX. On XX/XX/XXXX I called as I had not received any reply that it was resolved. Or additional information requested. And was told they had not received the letter that was mailed out the day I got the letter XX/XX/XXXX. They asked me to resend it by fax. I did so twice that day XX/XX/XXXX. On XXXX XXXX I called again. And was told they closed the case because I did not respond by XXXX XXXX as noted on the dispute notification. I tried to dispute that they did get a response on XX/XX/XXXX on a recorded phone line. The letter does not say it Hass to be only in writing for the deadline of a response. I dispute that they did not receive a letter sent XXXX mail on XX/XX/XXXX to there post office box. They acknowledged it was postmarked XX/XX/XXXX but claim did not get it by XX/XX/XXXX. 
Please help the Fiserv merchant services is stealing {$1900.00} from me.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, a natural human being and consumer, sent a follow suit letter to Experian on XX/XX/2022 regarding attached listed accounts. That tracking number is XXXX, which has a delivery date of XX/XX/2022. These accounts were not able to be verified by the other bureaus, therefore the accounts were removed. 
Today is XX/XX/2022 and Experian has chosen to ignore my request and continues to report false information on my credit report, therefore, causing harm to my creditworthiness and unwarranted stress to me mentally, physically, and financially. 
In that same letter, I requested documentation to support their frivolous claims, and that too has been ignored.
Consumer complaint received 2020-11-30
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. (TX)

A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX  balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX  balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter! 

Sincerely, XXXX XXXX XXXX XXXX...
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MT)

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting. 

On XX/XX/XXXX EQUIFAX responded to my complaint on the CFPB portal stating they will not provide an answer because the believe it was a credit repair company talking on my behalf. 

I AM NOT A CREDIT REPAIR COMPANY OR IS ANY CREDIT REPAIR COMPANY REPRESENTING ME REGARDING THIS MATTER. I FILED THIS COMPLAINT ON MY OWN WITH THE HELP OR GUIDANCE OF NO ONE. TAKE THIS AS MY FORMAL WARNING TO YOU. IF EQUIFAX CANT PROVIDE PHYSICAL PROOF OF AN INVESTIGATION TO ME REGARDING MY COMPLAINT, THE NAME & PHONE NUMBER OF THE INDIVIDUAL EQUIFAX SPOKE TO AT XXXX TO CONFIRM THE ACCURACY OF THE REPORTING, & DATE/TIME I WILL FILE A LAWSUIT VERSUS EQUIFAX IN SMALL CLAIMS COURT FOR THE DENIAL OF MY RIGHTS &  FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. 

Cc : XXXX County Court House - Civil Division
Consumer complaint received 2022-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

The have had an incorrect Deed - and have been sending me correspondence for 6 years with my Ex Wifes name on it even though she is no longer on the deed or mortgage. Ice send numerous emails over the past few years. Hours upon hours of my time over numerous occasions.. I have emails to support this - no one ever helped Id speak to someone and then nothing would change.. I called again and again and again - 6 years. 
We got a forbearance and Im XXXX were sent documents for a partial claim to resume our mortgage payments. The ex wifes name still on there - I called at least five times since then to fix this - being promised every time it would get resolved. I always call back because I never hear back from them. They didnt fix the problem in time for the partial claim window and now Ive received foreclosure papers for the end of the month. I dont know what else to do. They dont seem to be able to fix the problem and Ive had multiple people not know how to read a deed including supervisors. Please help
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' and XXXX XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (OH)

I am in bankrupty. The vehicle I financed was turned back into the loan company. The loan company continues to call me 16 to 20 times per day. When I start they hang up. They have called family and friends to harass them as well.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

I have sent Hunter Warfiield two certified letters on separate occasions asking them to verify the debt owed. They sent back a print out that did not include the last payment that I made, my signature or the signature from the original debtor. When asked to verify Hunter Warfield told me " no, the print out is enough ''. I have sent them another certified letter ( this makes three letters that have been sent out via certified mail to Hunter Warfield ) requesting that they remove this account from my report since it can not be verified.
Consumer complaint received 2019-10-23
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. (WA)

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX, XXXX XXXX is still showing on my account! I demand this hard inquiry removed.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

Advertisement and Soliciting : I received an email this morning from XXXX XXXX with an offer to receive a {$2500.00} ( XXXX XXXX and XXXX XXXX Dollars ) Statement Credit if I close a Mortgage Loan through 'Quicken Loans/Rocket Mortgage '. The issue is with Quicken ( not XXXX XXXX ). 

I am pretty sure its illegal to Solicit Mortgage business with an incentive of 'Cash ' or 'the Like ' if a consumer uses the mortgage service. There are a ton of small lenders nationwide that get in trouble with advertising and soliciting. In yet, somehow, the biggest Mortgage company in America can be this bold in soliciting business with a 'Cash or the Like ' incentive. With an email offer from one of the biggest Credit Card companies in the world. 

How does an offer/incentive, with a company as big as such, get to this point without anyone checking to see if they can even do this?