davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (NY)

I run my credit to purchase a bike a month ago and the credit check was good. I recevied a loan for XXXX. Its has been weeks and I keep having technical issues trying to make the purcahse. I have called several times and any issues all the response I get is a supervisior will try to contact you however no one has contact me since and I had an order canceled. I have been waiting too long and I am upset that any fraud investigation have not been resolved so I can make my purchase and be on my way. In these COVID times I actually have money to pay and Klarna doesnt want to make this work. Im not getting the purchase I want and all this is doing is damaging my credit history
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SD)

I have overdraft fees tied to charges that posted with a positive balance on my account. At the end of day on XX/XX/2019 I checked my account and had about {$5.00} in it. According to Wells Fargo reps the system posted the transactions in a different way than what it shows on the consumer side of the system. This caused my account to be actually XXXX even though it didnt show to me the prior night or even on the following day when the overdraft charges were made.
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc. (CA)

I was under the impression that I can use the kickoff card anywhere. But now I see I can only use it at the kickoff store. I do not like what I see. I am requesting my {$5.00} back along with you closing my account as soon as possible.
Consumer complaint received 2019-02-27
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. (GA)

# Confirmation XXXX XX/XX/XXXX I have reported to Equifax multiple times by dispute that XXXX XXXX has a collections account on my profile that does not belong to me. I have reported this to them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that this account is un verifiable and incaccurate and should be deleted and removed. Equifax has an address and phone number listed that CFPB does not even recognize. How is that possible that the Goverment agency meant to govern collections does not have them llisted but Equifax does? 

I am requesting once again according to the FCRA guidelines and regulations that Equifax remove this account because it is unverifiable. 

I have enclosed copies of the documents from the CFPB
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK (CA)

The XXXX Fire of XX/XX/2018 destroyed my second home as well as the wellhouse,  workshop, water tanks and solar power on my XXXX acre Ranch in the XXXX XXXX mountains above XXXX. I have a mortgage on the property at City National Bank. In XX/XX/2018 XXXX XXXX paid out my buildings insurance in the amount of {$480000.00} plus {$48000.00} with checks made out to myself - XXXX XXXX - and City National Bank. XXXX deposited those checks, telling me they were in a money market account. It was almost three months before they would give me the details of that loan account. In the period since that money was deposited I have asked for the regulations or protocols governing the banks disbursement of those funds in a case like mine, where I have urgent costs for repair, rescue and recovery before I can get to the rebuilding. I have not received such information from the bank. XXXX has repeatedly ignored my requests for information and persists in treating that insurance payout and the funds therefrom as a loan for which I am applying to them for a new build. They have not acknowledged my circumstances except in the most cursory way. They have shuttled me from one customer " care '' advisor to the next, I am now on my third team of allegedly helpful advisors. None of these people has made the slightest effort to adjust their assertion that I am borrowing for a new build, to an understanding of the realities of catastrophic fire destruction at a property like mine. Instead they are letting time go by, shifting me from one person to the next who then takes a lot of time to " review '' my documents, which are a series of increasingly desperate and upset appeals to them for assistance with funds for emergency expenses associated with my position. I still do not know when and how these people intend to disburse the funds that XXXX have allocated for me to spend on the recovery and repair that has - in order to mitigate further damage and decline at the property XXXX allege to have an interest in restoring - already cost me a great deal. I am deeply traumatized by the fire itself, but almost more so by the callous and cavalier attitude of City National Bank - a small bank that I chose because of its personal touch. Personal and personable up till XXXX of last year and the aftermath of the XXXX Fire. I literally don't know where to turn. I don't want to hire a lawyer and spend money to go after this money, but I can't see how else this will be resolved. I have hired an architect to help with planning the rebuild and from the insurance company and XXXX County we have only received help and warm, consoling advice and support, whereas we have had to struggle with the bank for them simply to pay the architect for his retainer. I have documented the correspondence and can share all the information you might need to look into this. I beg you. Please help me to unravel this knot?
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (VA)

I have a student loan that has been serviced by Great Lakes. 
In XX/XX/XXXX, my income driven repayment application was approved, and on XX/XX/XXXX, I made my first payment under IDR.
In XX/XX/XXXX, I submitted documentation that I work for a XXXX XXXX.
In early XX/XX/XXXX, I renewed by income driven repayment application. On XX/XX/XXXX, I received confirmation that I was approved. 
On XX/XX/XXXX, I made a payment of {$500.00} to Great Lakes. 
On XX/XX/XXXX, I got a notice from XXXX XXXX XXXX that they were now my servicer and that my account was delinquent. Evidently, when they transferred my loan from Great Lakes at the end of XX/XX/XXXX, they failed to transfer my last payment to Great Lakes. They also did not transfer any information about my income driven repayment plan. 
I have repeatedly contacted Great Lakes and XXXX to find out how I can get my balance to reflect my XX/XX/XXXX payment. As it stands right now, my account is showing up as delinquent, even though I made a payment in XX/XX/XXXX. In addition, they 're claiming I 've only made 7 qualifying payments under PSLF, even though I 've been making payments early ever since going on the IDR plan. Every time I talk to XXXX, I get a different, albeit not helpful, response. No one seems to know where my last payment went and when it will be reflected. I am being penalized for XXXX 's mistakes.
Consumer complaint received 2019-02-27
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: EQUIFAX, INC. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX****
Consumer complaint received 2021-06-21
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. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Consumer complaint received 2021-09-01
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. (MD)

Because of the Equifax credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Consumer complaint received 2020-11-30
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: Chime Financial Inc (GA)

On XX/XX/20 an unauthorized charge was made on my Chime XXXX XXXX account. I immediately contacted the customer service team to stop the transaction. The agent informed me that the charge would need to clear before I would be allowed to dispute the fraudulent charge. After the payment cleared I submitted the dispute, it was investigated and then on XX/XX/20, I was informed that the investigation results determined that the transaction was not a billing error, and my money would not be refunded. I requested the paperwork that was used in the investigation that caused them to come to this inaccurate conclusion. According to the credit agreement, they have 10 days to turn over the documents in this case. They have not complied, nor have they followed up with any of my emails since. The charge in question was made from a XXXX for {$94.00}. This is all the information I have and can not find a business with this name. I was not able to get any more information from Chime support. The credit agreement stipulates that if Chime XXXX XXXX does not follow the correct procedures in the dispute process then I would not be responsible for {$50.00} of the charge in question. I have not received any response from them regarding this issue either. I do not know what else to do at this point.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions (TX)

Hello, I had been a resident of XXXX XXXX  XXXX XXXX XXXX XXXX Texas - XXXX for almost three years. At the time when I first rented the apartment, I paid a security deposit of USD XXXX. At the time of vacation, I was charged USD XXXX, which included reletting fee ( XXXX ), damages ( XXXX ), and cleaning charges ( XXXX ). I paid the complete amount through my credit card. In the invoice provided, they no where mentioned about the adjustment of the security deposit I paid during first renting out the apartment. 

When I realized, I tried to reach out to the XXXX XXXX  at the same address through phone as they were not available in office due to covid-19. At first, no one answers the call, which can be confirmed from the residents there, they also practice racism. Finally, I wrote them email as well and after many attempts could connect with them over the phone. The response was improper and they were not pleasant while talking. 

Now, they are sending me notices for paying USD XXXX via the Rent Recovery Solutions, LLC. Also, my credit history also got a hit as it has been wrongly reported. 

I need help.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I have a XXXX XXXX Credit Card. I am a very active user with the credit card and with Barclays Bank. Last year before signing up I asked a representative if XXXX & Barclays Bank would offer a bigger sign up bonus for the credit card. The answer was no! I find out that as a new customer I was being treated like cattle and lied to! One year after my signed up bonus XXXX increase the sign up bonus by XXXX points. Now I didnt need the credit card, but only signed up due to the representative and supervisors advice. Poor practice on Barclays part as the representative should have told me upfront there could have been a bigger sign up bonus in the future. Its fair to say Im just a bit upset here and I plan to fight for my XXXX extra points. Its not right to have Barclays or a third party travel service hired by Barclays Bank change their minds about sign up bonus and misleading consumers. Due to Barclayss own negiligence of the credit card program for XXXX XXXX I ended up getting screwed miles, which I can easily go on XXXX flights. I am a new customer for Barclays, but I will close my XXXX XXXX XXXX account and go to Barclayss competitors. Very disappointed with how this issue is being played out.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the Equifax data breach. 

This is corrupted process that XXXX XXXX & Equifax has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

Years ago I was having trouble making payments, and was advised by Navient to do forebearance. They told me that the interest would be tagged on to my loan. After the forebearance ended, they said 6 months of missed payments were due. My loans are still past due with over {$17000.00} due right now and in default. Not only was it impossible to pay, but the fees just keep piling up and they refused to do anything about it when I called. Get calls about 8-10 times a day, collection letters from them and another collection agency, and can't even start to get out from being underwater. To be honest, the only thing keeping me from having XXXX XXXX is that they would go after my mom if I did. They also call and harrass my sister, and she isn't even on the loans.
Consumer complaint received 2021-02-24
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. (AZ)

I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.
Consumer complaint received 2020-11-30
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (KY)

I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.
Consumer complaint received 2021-01-22
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-05-27
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. (TN)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (TX)

The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.
Consumer complaint received 2019-02-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

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 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: N.A.R., Inc. (UT)

North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.