davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

On XX/XX/XXXX, I filled out an application with Rocket Mortgage to purchase a manufactured home. I spoke with a loan officer who also pulled up the listing and we discussed the home while filling out an application. We paid {$500.00} to move forward and had our credit pulled. From XX/XX/XXXX - XX/XX/XXXX, we heard absolutely nothing. My realtor had to contact the company multiple times to get an appraisal scheduled. Two weeks after the appraisal had been performed, my realtor called the company to figure out what was going on. At that time, we were told that they would not fund the loan because they do not fund manufactured homes. Along with that, they updated the Loan Estimate with an appraisal fee of {$900.00} but still never contact us to discuss this issue. I had to call and email on XX/XX/XXXX to get some sort of answer. Then I was told that I would only get my money refunded back after the appraisal fee XXXX {$900.00} XXXX and credit bureau fee were taken out. During that same phone call, I was told I would be contacted XX/XX/XXXX after they performed research to verify it was a mistake on their end. That is absolutely inexcusable. It should not have taken 6 weeks for them to decline the loan. The listing shows it was a manufactured home, the tax record shows it is a manufactured home ( and the taxes were verified within days of the application ), the appraiser asked the company if it was a manufactured home. There were multiple times that the company could have contacted me to discuss this issue. They also told my realtor that they were never told it is a manufactured home. The individuals I have spoke to have been very gracious and kind but this is absolutely unacceptable. I can not get this house financed before the contract ends because of the egregious neglect to communicate or even research the property. A simple glance by the company at the listing ( which was done by the loan officer during the application ) should have been more than sufficient for them to know whether or not to move forward with the loan. It should not have taken 6 weeks or even 2 weeks from the appraisal for them to explain they don't loan on manufactured homes. That is absolutely their choice not to offer loans on manufactured homes but their gross negligence in not communicating and taking 6 weeks to even discover this has cost my family a home and land.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sirs, I, XXXX XXXX XXXX ( please see my passport attached ), customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . ( please see requisites XXXX attached ) 1. I am a client of XXXX XXXX - and bought XXXX XXXX USD on XXXX XXXXXXXX  ( please see attached file XXXX XXXX XXXX XXXX deal ) and on XXXX I made a wire transfer transaction from XXXX XXXX, XXXX. ( Please, look through attached file XXXX ) to my account at XXXX XXXX, with XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX XXXX  informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings.
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

2020 My ex XXXX XXXX leased a car from XXXX. I was told the car was in his name. After the breakup, XXXX kept calling me to make payments on his car. I don't and never had the car.
Consumer complaint received 2022-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

FRCA Violation address XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX I, XXXX XXXX : XXXX XXXX, 2021 {$11000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$18000.00} Needs Attention XXXX  XXXX  A Reported : XXXX XXXX, 2021 {$2700.00} Needs Attention XXXX  XXXX  XXXX Reported : XXXX XXXX, 2021 {$73.00} Needs Attention XXXX XXXX  Reported : XXXX XXXX, 2021 {$190.00} Needs Attention XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$1100.00} Needs Attention
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/2018 I received written notification that my past due account had been turned over to a collection agency named Transworld Systems Inc for the amount of {$70.00}. I have not received any bills or notices of amounts due from the company listed on the notice ( XXXX XXXX XXXX XXXX ) I have no dealings with XXXX. I made two attempts to contact this company and was not able to get through, but rather went into a recorded queue which eventually put me into a voice mail box.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower. This is enabling identity fraud and extortion at its finest. Why would you just allow any collection company adding to my credit report without my permission? I NEVER gave permission nor was advised on ANY of these accounts reporting. Pursuing legal assistance due to distress with investigating and the whole situation in general. Multiple violations. Im seeking compensation.FTC and other reports filed.
Consumer complaint received 2018-02-10
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. (MI)

There are inquires on my credit report that i did not make and its keeping me from obtaining credit can you please remove them i have children to feed and its making me struggle to put food on the table. Can you please be so kind as to remove these incorrect inquires because i didn't approve them
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank decided to update their banking online software and it has been 4 days so far & I still cant see my accounts. I have called their customer service phone number & each time I am told its a 20 minute wait or a 40 minute wait. When I call my local bank office the girl there tells me she can read me anything I want to know or I can come in & she can tell me what I want to know. I asked them to e-mail me my accounts & that is even a problem. 
I want to see my accounts!!!!!!!! I have a right to see my accounts!!!!!! This is crazy I feel as if I have been robbed.
Consumer complaint received 2020-11-05
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: CAINE & WEINER COMPANY, INC. (CT)

XXXX put me in collections and is hurting my credit big time my ex husband used my name for insurance and was not responsible to take care the payments so now As a XXXX  parent I am supost to pay some bill that is not mine! Caine & wainer is putting my credit score down and I dispute this many times and nothing ia getting done! If was my bill no problem but I cant pay some that is not mine
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the XXXX ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, TransUnion and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I called the Wells Fargo Specialized Resolution phone number provided by the CFPB website ( XXXX ). I wanted to find out if any settlement compensation was scheduled to be paid regarding my mortgage. A XXXX answered the phone. I found him to be vague and not of any help. XXXX was unwilling to look up anything regarding my mortgage. He stated that I would be contacted within the next month if any compensation was being paid to me. I went on Wells Fargo website to see if I could obtain any information regarding my mortgage on XX/XX/XXXX. This website stated that it could not process my account information online and to call XXXX. Since I do not trust Wells Fargo I did not want to speak to them regarding my account. I had experienced rude and abrupt treatment from XXXX with no willingness to assist me. My home of almost 12 years was foreclosed upon on XX/XX/XXXX. The balance of the principal outstanding was {$160000.00} and the property sold for {$170000.00}. Wells Fargo failed to do a Loan Modification. Additionally, after my home was foreclosed upon, Wells Fargo called me and wanted to know where to send {$1300.00} ( a payment they failed to log ). Further review of my escrow account figures shows that interest being charged through the life of the loan was 7.5 %. The monthly mortgage statements show interest as 5.5 % ( which is what I thought my loan interest rate was ).
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (GA)

1stProgess has sold a debt and now I have a collection on my credit report for something I have never used. My grandmother gave my social out to a few people when I was young to illegally file taxes with me as a dependent and I have no knowledge of who it is. It maybe one of them
Consumer complaint received 2023-01-18
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. (TX)

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes Experian, XXXX and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (AZ)

On XX/XX/2021 I sent this company notice requesting verification of a debt that appeared on my consumer report indicating that I owed them money. It has been more than 5 days and this company has never provided me with any information as it pertains to this alleged debt. Seeking assistance in having this account removed from my consumer profile has it is harming my ability to secure credit products with a fraudulent account reporting. This company is violating a wide variety of federal laws.
Consumer complaint received 2021-06-09
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. (CA)

Hello im writing this complaint because I looked at my credit report and noticed some accounts reporting that shouldn't be. im well aware of my consumer rights as I am federally protected from bureaus put together to create an elaborate mechanism to ruin my reputation. due to poor credit i am paying hundred of more on interest than I should be. please help me stop these bureaus from reporting accounts they shouldn't be pursuant title 15 chapter 41.
Consumer complaint received 2020-01-27
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. (TX)

Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed
Consumer complaint received 2018-02-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

My name is ( Name ). I received a phone call from XXXX - when I answered the phone they asked for XXXX XXXX. I said there is no XXXX XXXX at this number. He said I am calling to speak to XXXX XXXX - I repeated that this number does not belong to XXXX XXXX. He said even regarding a matter with California Check Cashing?? I said there is not XXXX XXXX at this number - this number honestly does not belong to him. He said he would call back. He Hung up on me. 

I then called XXXX and explained that my name is ( my name ) and that if they were trying to reach XXXX XXXX on this number he must have given them the wrong number. I asked that they remove my phone number from their list because I am on the Federal Do Not Call List. I was transferred. 

I spoke to the original Caller - I told him that XXXX XXXX gave him the wrong number if this is the number he gave him. To take my name off of his list and do not call me anymore. That I am on the Federal Do Not Call List. He said they don't work from any Do Not Call List and what is this list I am talking about. I said it is Federal Law that you do not call me. That I am on the Federal Do Not  Call list and they need to be double checking the list. He said he didn't even know what the Federal Do Not Call List is. He then hung up on me again. 

I am filing a formal complaint. I am not XXXX XXXX. I have had this phone number for over 6 years. Please stop California Check Cashing from calling me. I do not use their services - I never have and I never will.
Consumer complaint received 2020-01-27
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)

Had credit account ( s ) with XXXX office of XXXX XXXX XXXX XXXX XXXX. Account ( s ) were late but when the XXXX Office closed account ( s ) paid off in full XXXX. Shows on report collection and it continues to be sold to credit collection companies who continue to report false information to all 3 credit reporting companies. When wife sold home after divorce records in attic not recovered. This filing is over 13 years old and should be removed
Consumer complaint received 2020-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a Quicksilver credit card on Capital One 's website on Friday, XX/XX/XXXX. 
Their website clearly states a promotional offer of a {$150.00} sign-up bonus for new card holders. 
After applying, Capital One ran a hard inquiry on my credit, and then offered me almost the exact same card, but without the {$150.00} sign-up bonus. The purchase rate and transfer info rates were slightly different as well. 
My credit score is excellent, and clearly they are generally fine with providing me the credit card given the " adjusted '' offer, so it is not an issue with my credit, but rather a decision to remove the sign-up bonus from the equation. 
I believe this is misleading to the consumer. I would never have applied for the card, if not for the promotional offer, which was then denied to me after hurting my credit score. 

Not only that, but I then tried to call the company, and their handling was abysmal. Their credit card department was not taking calls about new applications, so I spoke to the general customer service department. I was told that no one at the company could even answer my question about whether a hard inquiry was run and I had to check this for myself. Since the credit card department was not taking calls, I was told I could not get any other answers about their credit card products/services on the phone either. 
Finally, I asked to speak to a manager as I wanted to escalate the issue. I assumed there must be someone at the company I could speak to on the phone who would be able to answer my questions. Instead, I was hung up on. 

Their approach is directly against any fair consumer laws. 
They have misleading advertising. 
Their hard inquiries following the misleading advertising hurts consumers ' credit scores, while not providing what was advertised. 
And their customer service policies seem to deliberately avoid answering consumer questions and providing an adequate solution to the above. 
I hope this complaint helps other potential consumers of Capital One 's products and services in the future.
Consumer complaint received 2018-02-10
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: Genesis Lending (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

Attempting to improve my credit score has revealed negative reporting in the form of a chargeoff account with Sears in the amount of XXXX. I contacted the card issuer on both on XX/XX/XXXX and XX/XX/XXXX and was transferred numerous times finally arriving at credit report.com. 
I request that this s chargeoff be removed from my credit report as the original charges are in close proximity to the 6 year mark and they consisted of late charges that were the result of poor communication from the lender. A suitable resolution would also be for me to pay any outstanding balances less the egregious late fees for the removal. The number I called was XXXX and I received unsatisfacory assistance with resolving my issue.
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

Chase will not provide us with a payoff anywhere near the amount that is actually owed on our mortgage loan taken out in XXXX and assigned to Chase in XXXX. Chase is the lien holder of record at the County where the property is located. Chase keeps stating to contact XXXX for a payoff or a release. We would like to see the assignment and/or servicing agreement that gives XXXX any rights to our mortgage. Our loan taken out in XXXX for {$140000.00}. In XXXX a mortgage in the amount of {$35000.00} was applied to this mortgage. We have on 2 different occasions this year requested the accounting of our loan from Chase. In which Chase still has not provided adequate accounting information to us. Chase filed a Complaint for Foreclosure in XXXX. This property was XXXX in a Chapter XXXX Bankruptcy and the property was surrendered by the Trustee of the Case in XXXX. Chase is stating the payoff is {$150000.00}. We have had the property up for sale and have a contract with the purchase price of {$180000.00}. We have hired an attorney to help negotiate payoff of {$95000.00}. Chase is refusing to negotiate any kind of fair and reasonable payoff.