davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WA)

I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (DE)

Unknown person hacked into my Credit Card accounts with Wells Fargo and performed a series of fraudulent transactions with my Wells Farg Credit Card. 

Total $ Value of fraudulent transactions made through Wells Fargo Card : {$590.00} XX/XX/XXXX - {$99.00} - Fraudulent Transaction XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX Card ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$250.00} XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud I am attaching copies of Fraudulent transactions for each account as part of this complaint
Consumer complaint received 2018-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AZ)

We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (OH)

I have recently ( XX/XX/2022 ) taken delivery of a new XXXX XXXX XXXX. I am leasing this vehicle through Tesla XXXX XXXX ( XXXX ). Yesterday I received my first invoice with my first payment of {$550.00} due on XX/XX/2022. As I reviewed the invoice for remittance information to establish an automated payment via my banks bill pay service I realized this was not an option and that I would be XXXX to Teslas process which gives me only 2 payment options BOTH of which require me to disclose my bank account information. It is not in my best interest to disclose this information and I have never done so lightly. Further, I have reviewed my lease agreement and it makes no mention of this practice. 

As a business minded individual, I can appreciate the minimization of payment risk and predictability of cash flow that this policy establishes for their business, however this is not a consumer friendly practice and definitely not friendly to someone with a long history of paying my bills on time ( as evident from the hard pull of my bureau file in the assessment of my creditworthiness ). I object to the notion of being forced into disclosing my personal bank account information.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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.
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (GA)

The company Global XXXX is reporting incorrect information to credit bureaus. I have tried since XX/XX/2021 to ask Global XXXX to correct this information. This company is reporting my auto loan as closed, also that the vehicle has been repossessed and several late payments. This is not true, I still have the vehicle. They stated, they would correct my account. As of today XX/XX/2021 nothing has been done. This company continues to damage my credit and can care less about it. They have been rude about correcting something they did wrong to me.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed mine.
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ive made numerous attemps to remove this account off my credit, even tried going through the company as well. This account was due to identity theft. Ive already sent documentation that was requested to the bureau
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

I filed a dispute with Equifax on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from Equifax. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The Equifax report is not accurate as its missing names. 

disputed accounts 1. ( missing account name ) Original creditor : {$74.00} Account number XXXX 2. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Consumer complaint received 2021-08-23
Product: Credit card or prepaid 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: CITIBANK, N.A. (DE)

Unknown person hacked into my Checking account with XXXX, Credit Card accounts with Citi Bank and XXXX XXXX and performed a series of fraudulent transactions with my Citi Credit Card. 

Total $ Value of fraudulent transactions made through Citi Credit Card : {$19000.00} Total $ Value of fraudulent transactions made through XXXX XXXX Card : {$590.00} Total $ Value of funds stolen from my XXXX Checking Account to pay off fraudulent activity on Citi Credit Card : {$15000.00} I am attaching copies of Fraudulent transactions for each account as part of this complaint
Consumer complaint received 2021-06-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$16000.00}, {$14000.00}, {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Moria Development, Inc. (NJ)

I was looking into possibly buying a home and inquired with " The XXXX XXXX XXXX '' who then passed my information on to Peoples Mortgage. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of Peoples Mortgage contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through XXXX XXXX, and XXXX. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! Peoples Mortgage and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

wellsfargo.com official website publicly advertised the bonus of {$200.00} with checking account opening and qualified activities around XX/XX/XXXX. On XX/XX/XXXXI opened the account following the link at wellfargo.com and did all the required activities ( direct deposits ). 
Application Reference number : XXXX I haven't received the bonus after I met all the requirements ( direct depsits ). 

I contacted Wells Fargo and was told that their public offers don't mean to the public, which is absurd interpretation. I typed my zip code on wellsfargo.com and it told me I am eligible for the bonus based on my zip code. They are violating the customer agreement/contract. 

Thank you for looking into this. 

I need my {$200.00}.
Consumer complaint received 2021-08-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

As of XX/XX/2021 I was locked out of my coinbase account due to a supposed suspicious activity. The last thing I did was place an order for about {$500.00} worth of Cardano. Within 2 days I attempted to change my password to regain access to my account. The password change seemed to work but I was still unable to access the account through my phone or the web portal. 

I have continuously received phone calls from people with XXXX accents who are claiming to be Coinbase support. They seem to have some way they can see what's happening in my account and know my name, but when I ask them what the process is for removing the security block they hang up on me. 

I've sent emails to coinbase support, coinbase security, and have filed a formal complaint with them. The last response I got from anyone was XX/XX/XXXX. They've been completely negligent with access to my funds as there has been no resolution to my problem.
Consumer complaint received 2019-06-18
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. (TN)

I had Experian dispute a duplicate account with XXXX XXXX XXXX 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me Experian do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.
Consumer complaint received 2022-02-14
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. (TX)

I have had identity theft in the past and reported it to the XXXX XXXX XXXX online at XXXX, gov which included unauthorized Credit Inquiries including from a car dealership I never stepped foot in or authorized anyone to run my credit for an auto loan. I then proceeded to dispute with the 3 bureaus reporting these unauthorized inquiries due to Identity Theft all XXXX and XXXX removed the inquiries, however Equifax has failed to do so and replied to me with a Stall tactic stating Ididnt provide proof of ID or proof of Address which is not correct because I have been disputing with Equifax on many inacurracies since XXXX! And even after disputing several times since XX/XX/XXXX with the Identity Theft Report, copy of my license and proof of address these inquiries REMAIN. This is unacceptable! I have an updated New ID Theft Report with FTC included in this complaint as well. These inquiries are hurting my credit rating and I demand EQUIFAX to Comply! The following are the inquiries still reporting : XXXX XX/XX/XXXX which is duplicated for the same Day! 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which is duplicated for the same Day! 

Please see all attachements
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I have an autopay set up to draw the amount equivalent to a statement balance on a Citibank credit card from a connected checking account at XXXX. On the due date (XX/XX/2019) Citibank attempted to draw the balance from the connected checking account at XXXX. However, there were not sufficient funds in the checking account and the payment did not go through. I made a "manual" payment, in excess of the statement balance, and Citibank accepted it on XX/XX/XXXX.Despite accepting the manual payment, Citibank continued to attempt to draw the statement balance from the XXXX account two more times, on XX/XX/XXXX and XX/XX/XXXX, which resulted in additional overdraft charges applied to my XXXX account.In this situation, Citibank is a lender who returns again and again to demand money even *after* having been paid back. This activity results in exposing the customer to repeated overdraft charges from another bank. Citibank officers claim that "this is just how our system works," and that they "cannot reimburse overdraft charges from another bank." They also claim that their system does not recognize when the account is in the black—the bank just blindly makes three attempts at autopay regardless of any intervening payments even if the customer has already paid *more* than he or she owes.
Consumer complaint received 2022-02-14
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. (ME)

The original creditor was XXXX back in XXXX, however it was purchased by multiple agencies and finally ended up with XXXX XXXX XXXX. However, they have reported the creation date for this account in XXXX as " new debt ''. And now they have sold it of to a new company XXXX and yet creating a new account as if they debt is brand new. This debt is XXXX XXXX XXXX and should have fallen off my credit. We have reported multiple times to remove the debt and only to receive letters from the creditor not to and then selling off to a different agency. This is fraudulent.
Consumer complaint received 2021-04-15
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. (FL)

XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.