davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Sectio

n 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any docume
nt that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Between XX/XX/XXXX and XXXX, there was a coupon-based promotion run by Paypal on purchases at XXXX that state {$15.00} off when you make a purchase of {$15.00} or more. Many customers including myself saved the coupon offer on Paypal, saw the {$15.00} off apply during checkout, and got the Paypal email receipt showing only the remaining balance above {$15.00} should be charged. However, we got charged the full order amount. I personally paid with Paypal balance so you would think it can easily be refunded by Paypal. 

I attempted to contact Paypal support as well as transaction dispute immediately to resolve the issue and got a response that they can only issue a {$15.00} voucher for future use because they can not go back and apply a voucher that should have been applied, and even that voucher needs to wait until they get communication so no clear timeframe of resolution. This is clearly not an acceptable resolution as I would not have placed the order if the {$15.00} offer didnt apply, and I do not want a {$15.00} offer for future use, I need it refunded. 

Paypal response : We were advised of this issue occurring on this type of transaction, I'm sorry to hear that you were affected. 
We are working on getting these resolved with our affected buyers who are experiencing this. 
Once it's been completed, you'll get the voucher for {$15.00} that should have applied. Once the payment is captured, we're not able to go backwards to apply the discount that should have transpired. Sorry. 
Thanks for your patience while we work through this issue. 

Paypal response : There are some things beyond our control when it comes to the rewards we offer to our customers. 

If others are saying a refund is being done, I've not been communicated that yet on our end. 

Currently we have not been updated yet on any resolution on this matter. I'll leave the chat open another 24 hours.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (OR)

There is a debt collection on my credit report that needs to be removed. Per my credit report it's from : Seattle Service Bureau XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Amount - {$150.00} I have no idea what this debt collection is for. I have XXXX the company and called and they have no record of a debt for me. I need help having this removed from my credit report.
Consumer complaint received 2019-07-19
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. (FL)

this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DailyPay, Inc (TX)

I have tried to reach out to daily pay about my reported earning that isn't reported right from them. My job told me tgat my reports were on point for instant. I make XXXX $ a day. They said my reported earning from my job was only XXXX $ and it had happened multiple times. There stealing my money. And some of the days I dont even get my report at all. Daily pay consist of money advance. And my whole check goes to them. And they are getting different report so therefore my check are so short I've called over a week now and they say the supervisor gon na get back with me and never do. Or they try amd email u and say the same thing thehbtold me over the phone. I cant ever get thur with them. How unprofessional
Consumer complaint received 2019-11-01
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX {$690.00} not mine XXXX XXXX XXXX {$720.00} not mine XXXX XXXX XXXX {$280.00} not mine XXXX XXXX XXXX XXXX {$85.00} not mine
Consumer complaint received 2019-07-19
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. (MS)

I contacted XXXX, Experian, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. XXXX  and Experian keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.
Consumer complaint received 2019-07-19
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. (OH)

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Applied for loan modification after a status of employment and income changed due to the company I worked for being closed, therefore unemployed. I was not given a clear reason why my modification request was denied, but example such as credit score was referenced as possible reason. Mortgage origination date is XXXX, an 80/20, conventional & equity combination. Equity is adjustable rate. Conventional is 6 %. The mortgage was not reaffirmed after bankruptcy filing but plans to keep the home and continue payments. After divorce, XXXX XXXX XXXX XXXX looking for a career, and hardships with companies and consistent pay, I have had trouble making payments on time. When denied for modification I realized the lender had suddenly started reporting missed/late payments years after bankruptcy was filed when they had previously not reported against my credit ( my score improved but then dropped once reporting missed payments ). Lender is aware of bankruptcy and denies reporting, credit department states they dont acknowledge the issue hence cant correct it, and improper reporting has affected my ability to qualify for modification, refinance with another company and secure decent employment due to pre-screening credit analysis cause my work skills are in real estate and financing. The issue is affecting me personally, as far as finding new employment and foreclosure risk. I have significant equity in the home, $ XXXX {$75000.00}, and the lenders only requested solution is deed in lieu or short sale. I feel this is because of the equity to lenders advantage. A history of misreporting and applying payments correctly and have requested account history on several occasions to no avail. Wells Fargo Mortgage, Wells Fargo Bank, f/k/a Wachovia Bank, has trapped me into the hardship with no solution to recover without outside, escalated assistance.
Consumer complaint received 2019-07-19
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. (CA)

On XX/XX/XXXX I pulled my credit report and noticed an auto loan from XXXX XXXX XXXX XXXX from XXXX that had gone to collections. It has not been paid on in years and the debt stands at {$15000.00}. I have never had an account with XXXX XXXX and the name on the loan in the credit report is not even my own. I contacted XXXX XXXX and they told me they could not do anything about it. I have since filled a report with the Federal Trades Commission and alerted Experian. I am currently trying to get a mortgage loan and this is not good.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I paid off my mortgage in full on XX/XX/XXXX with Sierra Pacific Mortgage Company. Due to escrow closing earlier than expected, I overpaid by about 2,000 , and my mortgage company said I would be issued a refund check. 

I had originally submitted a change of address form to my new address in XX/XX/XXXX of this year, but my mortgage company did not process this change in address and failed to tell this to me. 

Then, I called my mortgage company after closing, and they said they would mail the refund check to my new address. 

In XX/XX/XXXX, I called to inquire about the status of my refund, and they said they had mailed it to my old address - the house I sold in XX/XX/XXXX!!! 

I have since gone back and forth with them multiple times, and they still have not sent me my refund check to my new address, even though I keep sending them all of the forms and documents they ask for. I call each week, and each week they say they will take care of it, but then next week, the new person says the previous person didn't complete the required actions. 

They also refuse to call me when they have done anything, and insist I keep calling them for status.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XX/XX/XXXX & XX/XX/XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-07-19
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: JPMORGAN CHASE & CO. (CO)

On XX/XX/2018 our family was at XXXX XXXX in XXXX and someone stole my wallet, I was unaware it was taken until my husband and myself were notified of some large charges made on our credit cards Via text messaging on XX/XX/2018. We responded to the text messages by stating NO these charges were not authorized. The Chase Southwest Card was one of the cards that sent a text as well and they were CALLED immediately after they sent the notification and they were told the card was stolen and stated the charges were not authorized and to close the account. I had three cards in my wallet my ID, health insurance cards etc were taken. We contacted all three credit card companies that had been take. We closed al three credit card accounts as as our our bank and checking accounts. I filed a police report and had to get a new ID as well. The Unauthorized Charges were processed at XXXX XXXX stores in the XXXX area. Two of the three cards did send letters stating they did see these charges were not authorized and they credited our account. Chase Southwest is stating they will not credit our account and they find these charges valid after they reviewed our account. I have provided information several times to Chase Southwest card services on many occasions as they would not tell us what they needed up front. ( we provided all documentation requested to Chase Southwest to prove these were fraudulent charges ) Chase card service has a copy of our time cards, police report and our ID 's as well as other letters from the other credit card companies that stated they have found these charges as fraudulent and nothing has seemed to help them see these charges were not valid. We have contacted an attorney which wrote a letter on our behalf requesting they re consider the decision made as we have provided them with several documents to prove we did not authorize these charges and could had not possibly made these charges as we were at work. We are asking for help in this matter as we have been advised from our attorney file a formal complaint against Chase Southwest. Please find attached documents we have sent to Chase Southwest on many occasions, as documentation the charges are charges that we did NOT authorize. The only response we have received since the attorney sent the letter ( second time it was sent ) was a copy of our statement which had nothing to do with what the attorney had requested and no letter was attached.
Consumer complaint received 2019-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I am in XXXX XXXX XXXX. Stage XXXX. I need a XXXX XXXX. I am on a XXXX XXXX machine 20 hours a week. I an unemployed I do not have employment income to pay a student loan. I attempted to make 5 payments with my savings. I no longer have savings. I could not have anticipated XXXX XXXX. Navient doesn't care. Navient calls 4 times a day to collect. No respect to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (GA)

I asked Experian XXXX and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX
Consumer complaint received 2019-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

XXXX  continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

XXXX  previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX, balance {$490.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX  ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, XXXX has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX FUNDING # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc. (GA)

I was told to call in XXXX to renew my payments. I have been unable to reach anyone on the phone I've called twice a week since XXXX trying at different times and leaving messages. No one answers or ever responds. I need to arrange the next six payments on auto charge from my card to stay on track. I would like to change loan servicers.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am applying for a mortgage with XXXX XXXX XXXX. Despite multiple attempts to pull the credit report, the lender is unable to pull my report. I called Experian multiple time, and Experian claims there is no problem with releasing my credit report. For some reason, Experian will not let certain lenders access my credit report. I have been on the phone over 8 hours being transferred back and forth through Experian, but unable to have this issue resolve. I need help getting Experian to release my credit report to XXXX  XXXX XXXX Mortgage Service through their third party vender XXXX XXXX.
Consumer complaint received 2019-07-18
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. (AR)

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank you
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 one morning i receive a call from capital one, and i call back and only answer the give me was your account is closed, i ask why they said because of activity on this or another account that is not consistent with our expectation for you account usage and violation of the capital one consumer agreement. and no more explanation. till today i have no idea why and that hurt my credit score because is one of my oldest account
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

n : I HAD A THREE MONTH HIRRICANE HARVEY DEFERRAL and NO ONE seems to know about this. I have been showing delinquency since the OFFERED deferral was add Do people and companies ONLY CARE WHEN SOCIAL MEDIA gets involved or when they are ALSO affected by national disasters. This is unacceptable, unconscionable, and I need the documentation properly corrected ASAP within the system
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer has committed unaffair business practices and scheme, fraudently sale contract practice for car loan. I have made over {$10000.00} on the vehicle and a {$4000.00} deposit the company refuse to adjust the payment {$19000.00} has stay the exact same for 2 yrs as of XX/XX/XXXX not matter what substaniel payment are made they just don't change the balance current or late. They charge a hidden fee 18 % daily even after collecting {$440.00} amount and XXXX but will never change the balance no matter what payment are being made at all just a complete scam. Santander Consumer investors pool are greedy and doesn't have the best interest for the customers.