davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

I applied the Wells Fargo Cash Wise Visa Credit Card - Reference Number : XXXX. However, I got denied with the following reason : " Social Security Number provided ca n't be verified. I spoke to Wells Fargo Cash Wise Visa Credit Card customer service and told them that I faxed the copy of my Social Security, however they said they did n't receive, then I faxed again, then I checked to status of the application, it changes from " declined '' to " pending ''. After that I made a copy of my social security card and send ( post office mail ) with the enclosed envelop from Wells Fargo Cash Wise Visa Credit Card sending to me to ask me to provide them the copy of my social security card. Moreover, I am currently the customer of Wells Fargo Mortgage ( Please see attachment ). I do n't know why my social security number ca n't be verified.
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Received a letter from Quicken Loans in XXXX of XXXX that we were approved for a FHA loan and for the house we were renting. The owner was selling after our lease was up in XXXX. The broker XXXX XXXX with Quicken Loans strung us along and 2 weeks before our lease was up we could n't get a hold of XXXX XXXX and his boss called us one week later and told us we do n't qualify. Companies like Quicken Loans if suppose to notify applicants within 30 days if loan will be given we were n't notified within that time period. Because if Quicken Loans we had to pack up our home put our belongings in storage and live in a hotel until we found a home to rent. Quicken Loans left us homeless and as a woman XXXX XXXX XXXX and not well off this affected my health.
Consumer complaint received 2021-09-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX XXXX XXXX has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with Bayview Loan Serving now Community Loan Servicing XXXX XXXX XXXX XXXX were notified that the property attached to the loan was sold and closed out on XX/XX/2021. XXXX XXXX XXXX continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. XXXX XXXX XXXX suggested talking to Bayview. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At XXXX & XXXX I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At Bayview, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses XXXX XXXX XXXX  in the communication since I am sent back & forth between the two entities. The resolution is simple. XXXX XXXX XXXX  accept the payoff from funds received at closing on XX/XX/2021, zero out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (TX)

On XX/XX/XXXX, I was charged a $ XXXX monthly service fee on my money market account. I called XXXX XXXX on XX/XX/XXXX and asked for an explanation as I thought I could avoid the fee by having an XXXX checking account. The website for the money market account says you can avoid the fee with a {$1000.00} min balance or having a " qualified checking account ''. There are no further details on what defines " qualified ''. The phone banker told me she would forward to other staff. On XX/XX/XXXX, XXXX XXXX ( banker at XXXX ) reached out to me via a secure messaging site. XXXX said the {$12.00} would be refunded, but I was mostly concerned about the error on the bank website. Over the course of a few days, I was pointed to different disclosures that supposedly contained the verbiage on what a " qualified checking account '' was. XXXX via XXXX could never provide any documentation. As a result, I feel many others have been incorrectly charged by XXXX. 

Please see attachments for message exchange and disclosures made available to me via XXXX or their website.
Consumer complaint received 2022-04-29
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. (OH)

In accordance to the fair credit reporting act, XXXX account numbers : XXXX. XXXX XXXX - XXXX XXXX. XXXX card XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX XXXX, had placed a debt on my credit files that wasn't mine which caused a 41 decrease in my fico score. This company did remove this debt from my credit files but I never received back the credit points I lost added back to my fico score. This is with experian
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (MO)

I had previously filed a complaint against Flagship Credit Acceptance. For issues in struggling due to Covid-19 pandemic. We were reached by a representative two days after we filed our first complaint, in which we made an agreement to make a payment. We agreed to make a payment on XX/XX/2020 in the amount of {$440.00} and then we would make another payment on XX/XX/2020 in the amount of {$440.00}. 

I did have to delay the XX/XX/2020 payment because unfortunately I started having the symptoms of Covid-19. I was tested on XX/XX/2020 and came back positive for Covid-19 on XX/XX/2020. I was required to quarantine for a period of time, as required by our local CDC. I did, contact Flagship to let them know about it and told them, unfortunately, I wouldn't be able to make the second payment. They did put in for the Covid-19 relief, which they deferred one month. Then we promptly set up a new payment arrangement date for the second amount of {$440.00} to be paid on XX/XX/2020, as I didn't get to even go back to work until XX/XX/2020, because of my quarantine time. ( If paperwork is needed to show proof I can submit that in addition ). 

However, even though we had a new payment arrangement agreed upon. Flagship Credit Acceptance has been calling family members listed as reference on my application asking them for payment on my account. They contacted my mothers phone number on XXXX XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Harassing her for payment on the account, even though they have my phone number to contact me directly. At this point, it is becoming unbearable of their account representatives making harassing phone calls to obtain payment, even though we have an agreed payment date for the account situation. 
,
Consumer complaint received 2023-01-23
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. (FL)

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law.
Consumer complaint received 2019-03-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Finance Company (TX)

I got loan with Broadway Finance around 2016 for {$500.00}. I have made XXXX XXXX/month on time payments since then, without making headway. 

XXXX mailed Broadway Finance a letter explaining my inability to keep making payments and asking them to not contact me. 

XXXX-XXXX- I received 4-6 calls a day from Broadway Finance as well as Broadway Finance staff coming to my house.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

DOVENMUEHLE MORTGAGE is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020 and XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was hospitalized with no pay due to hospitalization ... During my hospitalization I had minimum access to my banking and paying bills ... thus my auto pay to Dovenmuehle was returned by my bank. After contacting Dovenmuehle and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank Dovenmuehle can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (FL)

My Lease with a model X ended and I ordered a new Tesla X, the same model. I delivered the car the same day to the Tesla Service center where I picked up the new car. My car was inspected and every item that came with car was reviewed by the Tesla employee. The car was driven to a location 270 miles from where I delivered the car and was left negligently without electrical charge by the people managing the lease return. This information is available from a Tesla Car because the car is managed through the web and an application in your phone.

1-A few weeks later I receive an inspection report missing the charging cable, a damaged battery ( that was replaced new by Tesla a few months before ) and other items made up. Tesla now refuses to accept the responsibility and sends me to deal with the Leasing Bank. XXXX XXXX  can not attest if the cable was there or not. 
2- I was charged Lease for both cars even though the car was returned the same day that I picked up the new car. Tesla were the ones that determined the date of delivery of the old car and pick up the new car. They charged me for two weeks of two cars even though I only had one car.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Strategic Financial Solutions, LLC (TX)

XXXX sold my information to a debt solutions company. I was contacted by strategic financial solutions and they had my credit report score and details about my finances. This is a violation of my privacy and I never gave them permission to sell my information. Please cease from using my personal information as I feel like this is identity theft. Ask strategic solutions phone number XXXX to Never contact me again. If my information is stolen or used I will file suit.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NC)

My card was fraudulently used in a XXXX in California. I purchased the card in XXXX North Carolina at a XXXX. I have the card and purchase receipts in my possession. I have submitted a dispute ticket with : DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX I keep trying to contact them and they do not respond to me.
Consumer complaint received 2018-02-04
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. (LA)

My identity was stolen and as a result there were multiple accounts opened with XXXX XXXX. The accounts were closed with balances. I called XXXX XXXX to inform them and they have not removed them from my credit reports.
Consumer complaint received 2018-02-04
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: EQUIFAX, INC. (LA)

My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re :  Property Address : XXXX XXXX XXXX XXXX, La. XXXX Dear Consumer Relations, The reason for me writing is to request an investigation into Bank of America business practices. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, within the foreclosure document it states note was in default XX/XX/XXXX and notice mail. Their was six payments sent to Bank of America to cover my mortgage payments, issue from XXXX XXXX XXXX XXXX , XXXX, from the month of XX/XX/XXXX to XX/XX/XXXX. The information is documented below. 

1. Check # XXXX, dated XX/XX/XXXX, {$530.00} 2. XX/XX/XXXX, received Notice of Intent To Accelerate, delinquent {$1100.00}. Issue ( 30 ) day notice of default. 
3. Check # XXXX, dated XX/XX/XXXX, {$530.00} 4. Check # XXXX, dated XX/XX/XXXX, {$530.00} 5. Check # XXXX, dated XX/XX/XXXX, {$530.00} 6. Check issue XX/XX/XXXX, {$530.00} 7. Check issue XX/XX/XXXX, {$530.00} 8. Check issue XX/XX/XXXX, {$530.00} Furthermore, Bank of America collected {$3700.00} in payments, between XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX XXXX XXXX, Incorporated. Neither of my payments accounted, they mail me a delinquent notice to pay them {$1100.00}. My question is where is my money? The Notice of Intent does not reflex any payments that were made to my mortgage account. Your assistance in investigating this matter is greatly appreciated. 

Respectfully, XXXX XXXX