davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX, ,I Applied For A Personal Loan With Wells Fargo Bank On About The XXXX Of XXXX, ,And Was Denied Again For The,20th Times??? etc, ,I Very Disappointed About This Decision, ,I Really Don't Understand What Happened, ,To My Credit, ,I Used To Have Very Standard Credit, ,Now My Credit Is So???? Up I Can't Even Get A Bank Loan Or A Credit Card, ,What Happened With My Credit, ,Last Time I Applied For Bank Loan And Card They Told Me My Income Was Too Low, ,This Was Back Year, ,XXXX, ,XXXX, '' XXXX, ,XXXX, XXXXand XXXX, ,XXXX XXXX Should Be Ashamed. Of What They Caused, ,They Are Really Messy, ,With This Issue, ,I Have A. Copy Of The Last Statement That Was Sent To Me From Them On XX/XX/XXXX, ,And Is Also Mentioned In The Letter, ,That There Was Too Many Accounts Open In My Name, ,How Is This Possible??
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OK)

Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
Consumer complaint received 2019-08-27
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. (MO)

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}
Consumer complaint received 2019-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint involves a Capital One credit card. 
I had a 30 day free trial with a company called XXXX XXXX XXXX, a fantasy football service, back on XX/XX/XXXX. So I cancelled my free trial, before the 30 days were over.I have the cancellation receipt. 
So this company had my credit card information, and 9 months later, they started charging me monthly- {$29.00}. So if I hadn't cancelled their service, I would've been getting charged the previous 9 months too, you know? 
So I contacted Capital One, provided them the receipt showing I cancelled this service, and Capital One told me my cancellation receipt wasn't enough information?? 
I'm so upset with Capital One, they treated me like I'm some kind of criminal, and this company was the one that took my credit card number and started billing me randomly after a 9 month hiatus. 
I got billed 14 times for {$29.00}, as this company started billing me twice a month for some unknown reason, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I just thought I post this situation, so someone considering any Capital One credit card, might want to rethink about it. 
What is funny, is the same thing happened to my wife, she had the same problem with her XXXX XXXX credit card and the same company, XXXX XXXX XXXX, starting to randomly starting to charge her card a few months after cancellation, and XXXX XXXX was great. They immediately credited my wife 's account, didn't treat her like some crook, and didn't have her on the phone for 3 hours like Capital One, and didn't make her wait for weeks for a decision, and then favor the rogue, scam company. How obvious was this?
Consumer complaint received 2019-09-29
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: PENTAGON FEDERAL CREDIT UNION (CO)

At the beginning of XXXX, I received a promotional offer from PenFed for {$50.00} back if I spent either {$500.00} or {$1000.00} within the month ( both amounts were listed as 'required ' in their terms -- extremely unclear and poorly worded ). I emailed for clarification and got no response, an ongoing issue with PenFed 's customer 'service ' department as will be noted shortly. I contacted them again, given the time-sensitive nature of the offer, and was told that they would NOT honor the {$50.00} for {$500.00} offer and I would have to spend a full {$1000.00}. So I jumped through a number of hoops to move auto payments around to get that done, only to get another email over a week later ( again, this is a promotion that was only good for a month ) that oh, oops, they'd screwed up, they did have to honor the original offer for {$500.00}. At the same time, I got another offer ( snail mail ) for {$50.00} off {$1000.00}. I asked if they would honor both given that I'd received both. Again, no response. Again, I ask again. PenFed acknowledges that they are completley responsible for the mistake, sending multiple offers, the bad information I was given, the incredibly late correction given the time sensitivity of the issue, and yet they aren't going to do anything -- their customers are just going to have to absorb their mistake. I contact them again asking for a manager or supervisor to reconsider given how poorly this was handled. Again, no response. I FINALLY get someone on the phone on XX/XX/XXXX and per her given the amount of hassle and incredibly poor customer service on PenFed 's  part she would immediately have credited my account the missing money, but since this promotion was through a credit card it had to get approval. However, she would forward it directly to them and I would have my response in writing shortly. It's now XX/XX/XXXX ( OVER a month ) and PenFed 's  complete lack of customer service continues as I still have no response and no credit for the second promotion.
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (NM)

XXXX XXXX XXXX called me XX/XX/XXXX to say I owed {$1000.00} To XXXX -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is SCI. But I was not sure what I owed XXXX since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and XXXX XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX XXXX by my dog that XXXX  my XXXX and XXXX my XXXX XXXX and XXXX XXXX XXXX leaving an ounce of lead shot in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call XXXX to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called XXXX several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe XXXX can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if SCI is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. XXXX has up to now refused to tell me anything even with all the proof I have given. XXXX phone number is XXXX.
Consumer complaint received 2019-04-02
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: Rocket Mortgage, LLC (PA)

I spoke with Quicken Loans concerning two ( 2 ) hard inquires against my credit report. Neither of which I authorized. XXXX XXXX and XX/XX/2018. I spoke with ( XXXX, XXXX, and XXXX XXXX ) and they are investigating. The issue is that Quicken put a hard inquiry against my report without authorization. I want my score restored and the hard inquiries dropped.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX I begin disputes with Equifax XX/XX/XXXX I received an email that the disputes were complete. 
Impossible to see them online ( their system was down ) I spoke with a representative who could not confirm my identity even though I gave her multiple correct answers. 
I spoke with a supervisor who also could not confirm my identity even though i was reading off my credit card statements the answers she was looking for. 

The only way they will mail me my dispute information was to send them 2 forms of identification through fax or mail which I will not do. 

XXXX & XXXX  were easy to deal with and resolved my disputes correctly within days. Equifax is a complete joke of a company. I can not believe they are trusted with this kind of sensitive information. Why were they not put out of business after the breach? It's clear this is not a well run organization.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC (IA)

On XX/XX/19 I received a voicemail from Atlantic Recovery Solutions stating rep name XXXX XXXX trying to collect debt for XXXX XXXX XXXX leaving file # XXXX and stating if I don't respond today, failure to respond will result in verifying my employment and any access to property in my name. This rep also called my brother and left a voicemail with the file number. I have attempted several time today to call back the # the rep requested I call back XXXX and get a busy signal everytime. I have no idea what debt this is for.
Consumer complaint received 2019-04-02
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-02
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. (TX)

On XX/XX/2019 I mailed out the letter to Equifax to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to Equifax and to XXXX. 
Equifax came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also XXXX has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX  and they have deleted it from my credit file.
Consumer complaint received 2019-04-02
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: Innovis (MI)

My credit was pulled with the company cbcinnovis two times XX/XX/19 and XX/XX/19, the company that they work for is XXXX credit union which informed me that my credit wasnt pulled but it was pulled. There was no need for the company to have pulled my credit two times back to back and when I asked to have them removed I spoke to a very rude woman that works for cbcinnovis who was not helping me at all. I have never delt with this company and would never want to, I would just like for the inquiries to be remove and an apology for the rudeness by the employee.
Consumer complaint received 2024-03-25
Product: Credit 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: GOLDMAN SACHS BANK USA (PA)

I have initiated a Disputed Transaction with my credit card provider Apple for a merchandise that was returned to the merchant but have not received refund. 
On XX/XX/2024 my credit card issuer Apple have closed the dispute and rebilled me for the disputed amount of {$100.00} without providing information or explanation despite providing supporting documents such as return shipment tracking and authorization. 

Dispute case number : XXXX Transaction date : XX/XX/2024 Merchant name : XXXX XXXX XXXX 
Disputed amount : {$100.00} Amount to be rebilled : {$100.00}
Consumer complaint received 2019-09-29
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. (NY)

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX  XXXX  XXXX  -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX  Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX   Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Consumer complaint received 2019-04-05
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. (NC)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

I bought a US Bank Mastercard gift card for {$200.00} from XXXX XXXX on XX/XX/2019 ( Receipt attached ). I am unable to retrieve the balance by going on the website as well as when trying to call in to the service at XXXX. It says ''due to the status of your card, we can't process your request. '' I am unable to get in contact with anyone regarding the status of the card. 
I have attached a picture of the prepaid gift card front and back so you can check that it doesn't work. It in not past 12 months so it can't be empty due to inactivity. From a previous letter, I also called XXXX and couldn't reach anyone.
Consumer complaint received 2019-09-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (AZ)

I am XXXX, over XXXX years old, and I live of $ XXXX/month in  XXXX income. On XX/XX/2019 I acquired a {$500.00} title loan. At the time of signing the loan, I was unaware, that my vehicle was used as a collateral for the loan. I was told by Speedycash Customer Service, that Speedycash would never repossess vehicles, because that " was not worth it ''. 
Due to increased medical expenses due to my XXXX I felt behind with my payments. I contacted Speedycash Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX  in their area, also without success. 
I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me. 
However, I did make several payments in the beginning of the loan term, but Speedycash did not deduct them from the overall loan balance.
Consumer complaint received 2019-04-02
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: SYNCHRONY FINANCIAL (NY)

Hello, I am being hit with 2 recent inquiries I never did and seems to be from same bank this is 100 % fraud I have no idea these cards. Never applied for them or signed up In stores for them or authorized anyone to use my information. 

seems to both be synchrony bank. 

they are saying I applied for a jcpenny and a XXXX XXXX card from them on XX/XX/2019. Which I did not do. I did not go into these stores and purchase anything. I did not sign up through any mail or through internet. So this is 100 % not authorized by me. 

I have tried explaining to the company under the fair credit reporting act to remove these as I did not authorize this and if they can prove that I did that to please show me because I know I did not.
Consumer complaint received 2019-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX XXXX XXXX -opened XXXX XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XX/XX/XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 
I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Consumer complaint received 2019-09-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (MD)

I had NO say in the loan that my school got for me for the XXXX   exam. It was a {$15000.00} loan and NOW after making years and years of payments, my loan is {$18000.00}!!!!!!!!!!!!!! 

They don't apply money to my principal, rather they keep applying it to interest. I will NEVER be able to pay this loan off at this rate. I have already paid {$15000.00} in interest alone. 

So basically I paid the entire amount of my loan in interest and I now owe a whole new {$19000.00}.