davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
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: CORELOGIC INC (GA)

Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX t mobile debit my wellsfargo checking account XXXX. I contact both bank and merchant to find out how and why this happened. After XXXX days of investigation tmobile ultimately was responsible for the mishap. The matter was resolved on XX/XX/XXXX a final credit of XXXX was posted to my account. On XX/XX/XXXX tmobile authorized XXXX. I was contacted by a representative of tmobile explaining it was a mistake if the bank had already given me the credit. I told the rep the money is there and she stated it's to late to reverse can I go in to a XXXX  store to return. I went to a XXXX  branch paid the amount using my wellsfargo account. I check my account on XXXX and find that XXXX has been withdrawn from my account and the culprit was wellsfargo stating I was credited twice. I called customer service and the call was escalated to resolution rep as well as went to local branch that said they don't handle fraud cases. I asked why did it take XXXX months XXXX pay checks several deposits later for them to notice this and why was I not given a letter or an alert to resolve this matter before my account was debit and currently overdrawn. My answer from the resolution rep was that I could speak to an XXXX, which would contact me. And as yet to happen. I ask when I file a fraud case are you not communicating with the merchant. To ensure that the consumer will be made whole and was told that's not how it works. I feel totally violated and unappreciated as a customer of wellsfargo because of there lack of assurance when it comes to transactions and poor customer service skills.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation (FL)

I was grateful to have mortgage forbearance during COVID-19. I am a single mom, homeowner, XXXX then on XXXXXXXX XXXX and also XXXX XXXX XXXX I opened a XXXX XXXX  in XXXX, a plan in motion for 2 years prior to the pandemic. Terrible timing. For a these reasons, I was not able to pay my mortgage for over a year. I was reported by XXXX/GMFS on XX/XX/XXXX for balance past due. I called and spoke to them, they were very understanding and informed me the best course of action was to make a formal " complaint/dispute '' with credit bureau XXXX I am extremely grateful to have my home and was able to have loan modification to keep myself and my son in the home. 

I did some research on XXXX Will forbearance show on credit report? 
Does mortgage forbearance hurt your credit? Mortgage forbearance does not show up on your credit report as a negative activity ; your lender or servicer will report you as current on your loan even though you're no longer making payments. - I have found this is not the case and am hoping to ameliorate the ding on my credit report. 

My credit is poor as I am still recovering from the harsh blows of the pandemic. Please assist in any way you can. 

Thank you!
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had a account with Wells Fargo and today I found out they have closed my account because of lack of activity. I don't think this is a sufficient reason to stop my account from being active. I use the account to cash personal check but most of my bank activity is used for business at XXXX XXXX. They did not contact me over the phone or email to warn me. I just got a email that it was closed and I called and they had no answers or solutions. This is not the first time I've had a negative experience with Wells Fargo. The bank has terrible customer service and their online site isn't as advanced as some of my other banks. I hope that anyone in the future looking to choose a bank do their research and be careful when dealing with Wells Fargo. I won't be doing business there any longer in the future or attempting to reopen my account.
Consumer complaint received 2020-02-25
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DSNB MACYS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (LA)

I have received emails from a company called XXXX XXXX XXXX   and XXXX XXXX regarding my approval for payday loans that I did not apply for. I've also received text messages that I've stated to stop as well. I also have XXXX XXXX to help monitor the situation. 

Email Addresses : XXXX, XXXX XXXX
Consumer complaint received 2021-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First (MO)

A company called Students Come First contacted me about a loan forgiveness program and I signed up to pay {$230.00} for 6 months and then pay {$89.00} a month for 10 years. They took out the {$230.00} for 6 months. Made what looked like a payment to my student loan but it never posted. I lost XXXX dollars and my back wont do anything.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CT)

I received a withdrawal letter from Attorneys, XXXX XXXX XXXX XXXX   in XXXX, CT tel. ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( me ) w/out costs or fees. regarding a reinstatement refi. The attorneys were paid over {$3000.00} by me incl in the {$18000.00} reinstatement fee wired on XX/XX/2019. After that date, I was sent a letter by their employer, Wells Fargo  saying their attorneys wanted {$1900.00} more. I called & emailed the XXXX law firm  3xs asking what the fees were for. They will not respond. I called & faxed Wells Fargo many times re : the fees. Wells will not say what the fees are for. The attorney fees were added on the date of XX/XX/19 after the withdrawal. Please, look into the over inflated atty fees & have XXXX tell me in writing what the charges are for. Wells contact is XXXX XXXX tel # XXXX Ext. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. XXXX lawfirm is XXXX XXXX XXXX, XXXX, CT XXXX tel # XXXX.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase stated that its a secure platform howerver Coinbase should take the responsibility as well - These transactions into Coinbase company were part of a cryptocurrency scam, even though it was placed in a good faith and hard to believe it was a fraudulent purchase. 
- After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam. 

- Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. 

-Coinbase is not the safe platform. They only just want to get transaction fee from their customers. 
Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AL)

This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. 

I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. 

I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. 

Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. 

So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute.
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I received a new XXXX credit card for XXXX XXXX in the mail. A disclosure page included information about my credit  score from Transunion, and, under " How can you obtain a copy of your credit report? ", it said that federal law says I have a right to a copy of my credit report without charge for 60 days after I received this notice, and that I could obtain my free report by calling or mailing Transunion, or by going to www.transunion.com ( only that simple main address with nothing else ). 

I went to that website and spent at least 20 minutes looking for the way to get a free report, and I can't find it. I'm totally web-savvy, and I still can't find it. I even nearly got tricked into starting an account for a monthly service that costs $ XXXX/month because I clicked on some very simple " see your score '' links on that page and was still only ever taken to a for-pay service signup ( where they ask for your credit card number at the end of Step 2, and it's not that clear that they're signing you up for anything unless you look at a sidebar on the right - some people might think they're being asked that as part of identity verification or something like that. ). 

It seems like Transunion isn't being up front at all about how to get the free score from that address. The only other explanation would seem to be that XXXX didn't include the correct full web address, but either way, something is not working correctly! I hope you can fix it immediately!
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, Equifax, that is not mine. 
Equifax takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (CA)

In XXXX of XXXX I started to be harassed by a company called Amsher. Someone would call me, not tell me who they were or what they wanted, yet would continue to ask me to verify my name and end of my social security number. Having been scammed numerous times and attempted identity theft, I obviously refused to answer. They called repeatedly, one time I remember the date was XX/XX/XXXX, and every time they called, the person was EXTREMELY contentious and became defensive whenever I asked why they were calling me, however, NEVER disclosed why they were calling. 

I ended up googling the company and called them back with my husband, asking if they were a debt collections agency, and not one person would give me an answer, i checked my credit score, nothing had changed so clearly I thought FOR SURE they are scammers I blocked the number and somehow they managed to continue the calls. 

Sometime in XXXX or XXXX of XXXX, I get a notification that my credit score has dropped due to a debt that XXXX sent to a collection agency. 

I havent had an account with XXXX  for over a year so I was pretty confused what was going on. 

I ended up calling XXXX  and speaking with a supervisor, they told me I had a debt of {$120.00} due to a box  or something that I never returned. 

WELL, I had ZERO idea you were supposed to return those things and would have GLADLY done so or at least paid the bill before ever having this escalate any further HOWEVER, I NEVER received not 1 email, phone call, or physical mail notifying me of any outstanding charges. NOT ONE. 

So the XXXX  supervisor gives me the email they were supposedly sending notifications to ... XXXX it was not even remotely close to my email address. Im appalled that no one at XXXX caught this error or attempted resolving this mistake. I dont know who gave them that email but it was not REMOTELY close to my actual email address. 

REGARDLESS, of sending a notification to an incorrect email address, I never received a notification via mail or phone call and am appalled at the deplorable way in which this entire situation has been handled. It seems extremely unjust and unlawful to be quite honest. 

I ended up calling the number XXXX  provided me with to the debt collector Amsher and after being harassed again via contentious employees, agreed to pay the debt so long as I received a notification via email that the debt would be removed from my credit score. 

I cant imagine how someone can be strong armed into paying a debt they were never notified about, however, I am MORE in awe that this debt collections agency that harassed me for months after I asked them to stop, could take points off my credit score. 


These people have caused me extreme mental duress for months and Im reporting them for harassment and unlawful practices.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

See previous complaint XXXX Never received a resolution from Bank of America Estate Department XXXX Impossible to speak or receive emails from whomever is handling the case. Any information I have gathered has been through a local branch manager. 
I have only received ( 1 ) check out of ( 5 ) from Bank of America. 

They should be reported to the SEC for withholding funds they are not entitled to.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-25
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: ENCORE CAPITAL GROUP INC. (IL)

Since XX/XX/XXXX, I have been disputing a XXXX XXXX account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XX/XX/XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the XXXX XXXX account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.
Consumer complaint received 2020-02-25
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. (TN)

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX : # XXXX {$0.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (GA)

This involves American Express. This involves an account that belongs to a relative and I have never been financially responsible for this account. I am repeatedly contacted by American Express and a variety of debt collection companies for payment. I have on numerous occasions instructed the company to stop calling me. I have done this by letter and verbally. My next step will be to contact an attorney.
Consumer complaint received 2020-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. 

I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. 

I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. 

I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive.