davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.
Consumer complaint received 2021-07-12
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: WELLS FARGO & COMPANY (CA)

I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (GA)

I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (WA)

I took an auto loan through Wells Fargo XX/XX/XXXX. It had gap insurance added to the loan. 

I paid off the loan XX/XX/XXXX and they told me there would be a refund of a portion of the unused gap insurance, about {$260.00} dollars. 

Since then they have lied to me, told me the dealer would pay it, told me they would in 5 days, sent me stall letters and promises to contact me in ten days, nothing has happened.

They ignore me. Say they have 120 days to hold my refund. It's been 107 days. OK, I'm tired of waiting. During this time of COVID and economic hardship they should not be allowed to do this to me.

Wells Fargo Case number XXXX
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I am continuosly getting phone calls and letters stating I did not make my XXXX 2017 payment to Navient. I have it set up automatically through my bank online to make monthly payments of {$200.00}. My bank, XXXX XXXX, records show the check was cashed on XX/XX/XXXX. I sent the records to Navient and they have not fixed the problem. I have spoken with customer service on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to no avail. On XX/XX/XXXX, I faxed the neccessary paperwork from my bank proving they cashed my check on XX/XX/XXXX and they have done nothing about it.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (PA)

I was sent a promotional advertisement by Credit Karma which theyve called the Karma Guarantee on their mobile app. This promotion states that they guarantee approval for a credit card through their partner company and if the partner credit card company declines the application then credit karma will pay {$50.00} to the applicant. Ive applied for a card that this guarantee was offered by Credit Karma on two separate occasions and both times after applying my application was denied by the member company which is XXXX XXXX. 

Ive included the documentation that XXXX XXXX has provided to me stating its declined and even provided the date of the denied application. Ive contacted credit karma via their live chat and over the phone and requested the money as per the guarantee. In both instances over the phone and live chat Ive been told that they are escalating the request to a senior specialist and I will be receiving an email within 48 to 72 hours and to please keep a lookout for my email. Ive tried for over a year now to obtain the {$50.00} provided in the guarantee and screenshotted the guarantee to provide it here in the complaint. Both instances Credit Karma has not responded or sent a response. I also reported this transaction to the XXXX XXXX XXXX for further investigation and Credit Karma has not responded and provided a pdf document that states this and the XXXX recommended that I file the complaint with the CFPB for further assistance.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Improper Charge for Service covered under Paid Provider Network XXXX XXXX XXXX billed {$260.00} for services On XX/XX/XXXX that they were contractually committed to not charging for thru my Health Benefit Plan with XXXX. Account XXXX On XX/XX/XXXX the bill was given to a debt collector, XXXX XXXX XXXX, for recovery. Account # XXXX Both XXXX XXXXXXXX and XXXX were notified by myself and through my plan administrator that they could not bill for these services. XXXX was notified by me personally on XX/XX/XXXX and on XX/XX/XXXX. They were also notified by my plans member services on XX/XX/XXXX. XXXX XXXXXXXX was also notified by me on or about those dates. XXXX   XXXX has continued to try to collect this fraudulent debt and has reported me to the credit monitoring services. The amount was reduced to {$60.00} on a report from XX/XX/XXXX. 
Attempts to correct the problem with Equifax have been disregarded. First, their website reporting for disputes does not work. Second, calls to them to through their dispute resolution have been disregarded and went nowhere. Third, a request for forms to dispute the problem have been ignored and as of XX/XX/XXXX I have not received the requested documents. XXXX has addressed this fraudulent claim, Equifax will not.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

To whom this may concern, This is a follow-up to my previous letter sent to Experian on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2021-07-12
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)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-06
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: DISCOVER BANK (NY)

Date of last active XX/XX/XXXX There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

Wellsfargo is charging me a overdraft fee which I had money already in my account to cover my transaction. If I over drawn then is my account statement showing that it 's - {$31.00} Rather than the charge purchase and overdraft fee. I also had a direct depost of {$49.00} and XXXX in my checking account. And I also had couple dollars in my savings account before I transferred {$25.00} in it.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MA)

I was charged {$71.00} for an interest charge XX/XX/31 which, after contacting Goldman Sachs ( Apple Card ) on XXXX, was told was trailing interest despite my never having been charged such a fee, despite paying off my full balance. In attempting to address the issues with the company, I pointed out that their payment app only showed one type of interest charge, and no indication of any other type. I was told I misunderstood the terms despite pointing out that I /never/ had this type of charge before.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On the XXXX XXXX, 2017. I applied for a credit card in Santander bank, but i was denied because my credit score shows XXXX ( XXXX ). I am confused because I banked with santander bank and there is no way I can build a credit if i do not have a credit card.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/19 I submitted a dispute with Transunion disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Transunion claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Transunion to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX and Experian are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate 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 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TransUnion and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : 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 XXXXXXXX
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2017-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I send a payment, they had put it as a cash advance, but they owed me money on the account and never gave me the cash advancement due to that and still charged me a fee. I called and the supervisor, said everyone knows what to say, and if they said something else to you well sorry but nothing they can do. But when I was asking her about the employee she had no clue what was going on and was just pushing me away. I ask her for the corporate number and she said no, they won't speak to you she is the highest up. XX/XX/2021 around XXXX Supervisor name XXXX
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Remitly, Inc. (PA)

XXXX.App by Remitly closed a prepaid debit card account I opened with them. They closed my account shortly after I deposited {$580.00} onto the account. They refused to co-operate and refused to give me an accurate date of when I would be receiving the refund of my money I deposited.