davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE FARM BANK, FSB (TX)

The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

EXPERIAN is reporting inaccurate information on my report. My address on file is accurate and current but EXPERIAN has accounts on my credit file with an address I never lived in. The address on those accounts dont match the address listed on my report
Consumer complaint received 2023-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX do not belong to me. My name is XXXX XXXX XXXX XXXX : {$3400.00} Interest : {$1100.00} Total due : {$4600.00} Date assigned : Enclosed- not sure what this means Dates of alleged invoices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX Request to validate debt : XX/XX/XXXX - never taken off credit report after disputing.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received any calls, letters, or notices about this debt. I had no idea this debt existed until they reported on my credit file without notifying me and that violates my 30 day right to dispute.
Consumer complaint received 2020-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2022-04-06
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: Entrata Inc. (MI)

XXXX inquiry date XXXX I did not apply for this inquiry Resident Verify  XX/XX/XXXX I did not apply for this inquiry XXXX/ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I am in need of your support in working with my mortgage servicer in understanding my options for a FHA COVID-19 Forbearance. I would like to connect with you, as a HUD-approved housing counseling agency, in this assistance. 

I am with XXXX  of Colorado. My mortgage servicer is Dovenmuehle Mortgage Inc at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. There phone XXXX XXXX XXXX. My loan number # XXXX. 

I am having a financial hardship due to COVID-19. I Request a COVID-19 Forbearance for my mortgage payments. 

sincerely, XXXX XXXX XXXX 1-308 All Rights Reserved
Consumer complaint received 2021-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo fraudulently withdrawn amount from Home equity line of credit. They are able to hide this fraudulent act by not sending monthly statement during transaction period or hide that transaction completely from monthly statement. I believe that they are successfully managed and hide this fraudulent act for the following reasons : Reason 1 : They force home owners to give bank authorization to withdraw payments directly from bank. 
Reason 2 : Being a variable interest loan, consumers do not suspect if there is any increase in withdrawn amount. 
Reason 3 : There are transactions happened in the amount of more than XXXX and I do not remember seeing any transactions in the amount of more than XXXX. 
Reason 4 : Usually consumers do not check their statement regularly if it is an online statements. 
Reason 5 : They never reported to account holder or verified with Account holder if there are unusually high transactional amount. They never reported even though account never had any other transaction other than regular payments. 
Reason 6 : I also suspect that they may not have reported to IRS or federal government about these large transactions ( i.e greater than {$10000.00} as well one in more than {$50000.00} ) Reason 7 : During my conversation with Wells Fargo agents, they said that they have records up to seven years only and they wont be having any transaction details older than seven years. But I got transactions report copy from their Mortgage refinance agent that are more than 12years old transaction history that are available with them. 
Reason 8 : Wells Fargo withdrawn amount exactly to the maximum credit line and there is no overdraft happened at all Reason 9 : I filled a criminal case in my Local Town, Wells Fargo never responded to Citation issued by XXXX Judge Reason 10 : Their conversational tone during Initial contact vs after checking transaction internally changed completely. 
Reason 11 : They increased my home equity line of credit with out my knowledge Important Note : I received a letter stating that there is a settlement between Wells Fargo and Consumer Financial Protection Bureau. I called the number that they provided. I confirmed with the third party agent that issue was not resolved by Wells Fargo. They connected me with Wells Fargo and again they are not resolving the fraudulently withdrawn amount, but they are assigning from department to another. Finally, they said that all their agents are gone for day and will call back next day. It is more than three business days and I am still waiting and more over none of them want to share their ids.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened bank accounts in my name. ie ; Savings, checking, trust. Per their admission they opened 15 accounts without my knowing. I filed a complaint for mediation on XX/XX/XXXX thru Mediation Request Form. I have been assigned a claim number XXXX thru Wells Fargo. Mediation company, XXXX, XXXX XXXX, Case Administrator, XXXX XXXX XXXX. They set up an arbitration call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The first 3 calls were not attended by Wells Fargo. I wrote to XXXX and complained that it was unfair to set up these appointments and Wells not attend. They attended on XX/XX/XXXX. I was offered {$3000.00}. for two accounts opened without my permission and I asked if there was money in these accounts. Ms XXXX said there was no money and the two accounts were not activated. She then said that I had opened 15 accounts. The call was attended by XXXX XXXX- Wells Fargo , XXXX XXXX , Mediator and XXXX XXXX Claimant . the case number is Wells Fargo Case # XXXX. At this meeting, I complained that I had no information in front of me to see what she was talking about. I don't believe the mediator had any information. Ms XXXX asked the mediator if she could have a caucus in private and Ms XXXX came back on the line and advised that they agreed that I needed to have the information presented. I received the information in a box with a lot of paperwork. I believe the accounts are a forgery. It is not my signature but something printed and changing on some of the accounts. I asked how I could open 15 accounts with no money. I never received any bank statements and if I had not gone into the bank to open a HUD approved 501C3 account I would never have known about these accounts. This information was done in front of the Board, they also told the President he had a problem with the IRS. The banker told me that they were forced to open the accounts and the two accounts that she advised me were overdrawn and was the reason why we could not open the bank account for our Non-Profit was due to my account being overdrawn {$8.00}. She then told me there was another account overdrawn for {$19.00} and she was sure that I didn't open those accounts and would give me the money. I'm not sure that I was given that money. Ms XXXX also said that I received a check for {$2100.00} dated XX/XX/XXXX. There was no explanation and I deposited in my checking account as I was being charged money for nsf checks. I spoke to a person in Risk Mgt at Wells,  XXXX at phone # XXXX who told me that due to the opening of accounts they would be sending funds to compensate for accounts XXXX and XXXX opened XX/XX/XXXX and XXXX and XXXX opened XX/XX/XXXX. I wrote down 2xXXXX, XXXX, XXXX. Compensation for $ XXXX+XXXX. and 2 year Identity theft. This is the most disgusting situation and I need help to solve. I don't know if the mediator is an independent mediator or works for Wells Fargo and protecting Wells interest. I would appreciate your help. 
XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (GA)

Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX  balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX  balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Recently in XX/XX/2019 my mortgage was sold to LoanCare from XXXX who went into bankruptcy. LoanCare has not gotten the correct information inputted into their system and its been 7 months! My old insurance company sent LoanCare a check for premium paid to them instead of my new company around the amount of {$2600.00}. LoanCare can not find where they put that money that was supposed to be sent back to me. I have made several attempts to talk to them about all of the incorrect charges and monies lost. They are still charging me in my escrow for my old insurance premium and not my new one. They are reporting to the credit bureau that I have missed payments and not making payments at all. I have been fighting these remarks for 7 months and I am getting no where.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

Their system treats me horrible their fraud prevention its not fair it says Im a highe risk without even checking my credit and I cant get anything approved this way it wont even see if I qualify but they day itd normal so I cant have an account why cant they process and help manually or fix the problem they have with me Its not fair it doesnt even check mt credir it just says the samethinf high risk app when Im Not Thank you for applying for a BP credit card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days. 
Return Your request reference number is : XXXX
Consumer complaint received 2019-06-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I got a call from the debt collector saying I owe 600 something for XXXX XXXX XXXX college and the person from the office told me I could start paying by splitting the payment into 3 so I started right away and I was told since Im making payments it wouldnt go into collections. Its still open account on my credit and its been paid off in full since XXXX this is really affecting my credit because its been paid off ad I would love for it to be removed.
Consumer complaint received 2019-11-05
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. (CO)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (PA)

I applied to XXXX XXXX business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.
Consumer complaint received 2018-07-16
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: SYNCHRONY FINANCIAL (GA)

I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2021-06-29
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: Eastern Account Systems of Connecticut, Inc. (CT)

Paid debt in full to XXXX XXXX in XX/XX/2021 - this debt was also in collection 's agency @ Eastern account systems. Both parties were involved, I notified both parties nd both parties continue to report inaccurate information and refuse to update as stated 90 days was the limit for Eastern account systems, this status should have been updated and reported as paid in full as of XX/XX/2021. I have reached out to Credit agency, XXXX, and both parties disputing information-current status of reinvestigation states unpaid as of XXXX despite bank statements and emails submitted as proof of payment.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

my stash rewards visa was stolen and used and the fraud was over 12000k and they rebilled it to my account there claiming XXXX XXXX  told them this was used at my store which i dont even own a store and thats why they rebilled it i filed a police report the report number XXXX XXXX police report phone number is XXXX and the officer is XXXX XXXX with district XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

Sent letter out XX/XX/2021 no response was given by the company to remove incorrect information on account or to valid date the collections on my credit report. It has been 26 days and still no response and I gave them up to 30 days to respond with validation and to remove the incorrect personal information.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (MI)

XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.