davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (FL)

ftc violations : enclosed and stated all violations listed XXXX   XXXX  {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX inquiries XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and notice unauthorized inquiries impacting my credit score. I have not consented to these inquiries, and they were added without my knowledge.I request their removal from my credit file.
Consumer complaint received 2020-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case.  I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2019-11-15
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 got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-05-25
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. (SC)

as per the Fair Credit Reporting Act ( FCRA ) section 609 the  credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner
Consumer complaint received 2019-11-15
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. (OH)

I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company
Consumer complaint received 2020-05-26
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)

ftc violations : enclosed and stated all violations listed acceptance now {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Consumer complaint received 2020-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster & Garbus LLP (NM)

A company named Forster and Garbus garnished my wages for a debt that is not mine. I was never informed of this either. My employer showed me a paper and it showed an address I havent lived at for years. I called the company and they were demanding my personal info and said they wouldnt help me if I didnt give them my info so I hung up. The paper my employer showed me was from 2007 and it was my maiden name. I was already married in 2007. I have no debt in my credit report I am in debt consolidation and pay all of my bills.
Consumer complaint received 2019-11-15
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 ( 30 ) days past due on 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 is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I went to check the results of a dispute investigation and when I downloaded the report, it was someone else 's. Their SSN, DOB, and address were all included in it. I called Experian to alert them that I had seen this info and all they told me was to disregard it and did not collect the consumer 's info to inform them that their info had been shared.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I paid my account in full and I also am on auto pay. They have reported on my credit that I have missed 3 payments. This isnt true, I was on auto pay. I even called last month to ensure that my account was closed. Today I got an update that they reported Im 30 days late with a XXXX dollar balance??? That doesnt even make sense. Please fix my credit report.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018, XX/XX/2018. 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.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Please be advised that on XX/XX/2020 I have written the Consumer Reporting Agency Equifax Information Services then requesting a investigation as to some accounts being reported on my Equifax Credit Profile. I did not receive any updates, correspondence from the reporting agency. On XX/XX/2020 I attempted to go on to myequifax a portal where consumers can file disputes and get updates on disputes or other investigations pending with Equifax I carefully answered all the security questions correctly Equifax will not allow me online viewing of my report and I would like to explaination as to why? Also I wanted to check the latest status of my dispute Mailed to the reporting agency on XX/XX/2020 via US Mail. Also it should be noted that I can not access my report on XXXX I do ask that the consumer reporting agency contact me direct at my current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

The default payment method on my PayPal account is my checking account. It appears PayPal overrides that setting and sets PayPal Credit as default in another section of their website and charges new purchases to the credit account without the customers knowledge. I thought my purchase costs were going to my checking account. PayPal refuses to correct this error. They have charged my account an outrageous amount of interest for years during their shady practices. I believe they've charged the credit account with purchases I didn't authorize. I've never been late with a payment yet they charged me a late fee. All my calls to them went on deaf ears. They've been doing this to me for a long time and I never noticed until now. I feel hopeless and victimized. Please help me. I'm a single mom and cant afford to be I this much debt. I want and need my money back.
Consumer complaint received 2019-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (VA)

Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. 
I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. 

This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. 
PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX  has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. 

Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? 

Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX  and PNC. It would be unjust for XXXX  and XXXX XXXX ( now XXXX  XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. 

Any assistance would be much appreciated.
Consumer complaint received 2019-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (NM)

I went to Waterstone Mortgage Company to get a loan for a house through the FHA assistance program at the end of XX/XX/2019. I found a home I was interested in purchasing mid XX/XX/2019, put in an offer, and paid {$500.00} to get the home inspection. The loan officer then said it was okay to proceed with the appraisal which cost {$500.00}. The loan was approved by the Underwriter. The loan officer did not make sure that all the Seller 's paperwork was in order for the FHA portion of the loan before proceeding with inspection or the appraisal. I was not aware. She was aware. In mid XXXX of 2019 the lender told me that there was an issue that Waterstone Mortgage company could not handle. Therefore, I would not be able to finance this house. I however found another lender from a different mortgage company who could possibly work out the issue and continue the process. When the loan officer from Waterstone found this out, she proceeded to send out the bad information to the FHA to insure that no other mortgage company could finance the loan. Her actions cost me {$1000.00} in losses and prevents the seller from being able to sell the house in the future. This action at the very least is unprofessional and other consumers should be aware of this predatory practice.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On my Discover Bank savings account, on XX/XX/2019 I found a " deleted '' transaction that was depositing {$20000.00} from a XXXX XXXX account to my Discover Bank savings account. I do not have a XXXX XXXX account, so reported this to Discover Bank. 

Here is their response : " We are aware of an issue that is showing deleted transfers to or from XXXX XXXX even though you don't have a XXXX XXXX account on file. I can confirm no funds are being sent to or from XXXX XXXX as this is only a display error and we are working to resolve this issue as fast as we can. At this time we do not have any way for customers to work around this matter or an ETA on when it might be resolved but rest assured the problem will be resolved as quickly as possible. '' I am very concerned that I have such a transaction from XXXX XXXX XXXX, with whom I do not have an account, on my personal Discover Bank savings account.
Consumer complaint received 2019-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, This complaint is against Bank of America credit card claim department regarding {$120.00} charge dispute. 

I did online shopping from XXXX XXXX on XX/XX/2019 and was waiting for tracking number for 15 days. Then i tried to click on there email to track packaging website was not working and it seems to be fraud.

I called bank on XX/XX/2019 to file dispute and they credited me on XX/XX/2019. I checked my app on XX/XX/2019 and saw charge of {$120.00} and i called them and asked about that charge and they said dispute claim is denied as they recevied reply from merchant that they have delivered me product and they are waiting for my return receipt. 

I told agent i didn't recevied package forget about return. There website is not working and i dont have tracking number to track package neither any form of contact info to reach out merchant. 

Agent told me that they have mailed be denial letter and also letter to file again. I told i didn't recevied that and i dont access my online baking as i do my banking from mobile app and they dont have any message center in app due to that i didn't recevied any notification to process further. Agent guide me and reset my password to do online banking to check letter. She guide to to print letter fill out info and fax them with reference documents with that. 

Very next day on XXXX i called them again before faxing and then agent said i dont have to send anything now as they were investigating more on this as they have request more info from merchant like tracking number and other info but they didn't recevied and waiting on that. 

I called them on XXXX  & XX/XX/XXXX to take follow up and they said to wait as they were still reviewing. Then i called them on XXXX to check status they said they denied as i didn't send them required documents under there guidelines and i told agent they said not to send any more and she started arguing me on that. 

I told agent to check recording of my call with them and noted they provided and she admitted that its there agents fault for misguiding me but now she can not do anything and i have to bear that loss. 

I have been calling them over a month and talking to them over a hour every time. 

Please ask them there recordings that i talk to agents on XX/XX/XXXX, XXXX & XXXX,XX/XX/XXXX,XXXX & XXXX. Also noted there agent have taken. 

Do ask investigation report towards that merchant! 

Please help me to get my {$120.00} back or to put new claim again. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
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: JPMORGAN CHASE & CO. (TX)

I was shopping on Southwest Airlines website for an airline ticket. As I was about to purchase the ticket an offer showed XXXX $ off the ticket price with a new line of credit. I applied and was approved and made my purchase. Now after having made the purchase and making my first payment Chase is saying that the offer is not linked to my account. I printed all the information that was on the webpage as I always do when I apply for anything online. I believe chase is defrauding people to open new lines of credit and then not honoring the promotions that they offer to get you to sign up. ( Paper work attached )
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I paid my mortgage via online through Citi bank at XXXX XXXX  and while trying to finalize the payment during the last step a red pop up came up and stated error please try again later. Then at XXXX XXXX  I logged back on and made the payment and it allowed me to complete the last step and pay the mortgage. But when I looked at my account it had two debits for both payments pending. I tried to stop it online but was I unsuccessful. I called Citibank and after a ridiculous 20 minute wait and vetting process finally spoke to a representative who informed me that they could not help me and transferred me to another representative who told me to call XXXX. XXXX is the company who services my loan. XXXX   representative tells me that they cant refund me and j would have to go through Citi mortgage and they gave me the number. I then called Citi mortgage and they told me to call XXXX, so I asked to be transferred to a supervisor who then Gave me more of a runaround and absolute nonsense. How can I not get a refund on my money from my bank when clearly a glitch in their system cause this issue. All I want is my money back from the double payment. Please help because they wont