davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (WA)

We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (FL)

PNC bank. Was promised {$500.00} bonus for virtual wallet performance ( 3 in 1 account ) with deposits totalling {$5000.00}. I deposited {$5000.00}. 
I made multiple calls to get my {$500.00} bonus. 
I contacted them on XXXX. 
I even spoke to the executive team several times. 
I emailed the executive team the flyer, that showed the terms for the {$500.00}. They promised to give me the {$500.00} bonus several times, but have not over the past 5 months. 

They also do not let me transfer my money out. They imposed arbitrary ( in my opinion ) monthly limits of {$2000.00}. Why can I not transfer my money out? 

I finally closed my account today.
Consumer complaint received 2020-08-12
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. (WA)

We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.
Consumer complaint received 2020-06-18
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. (NY)

I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

XX/XX/XXXX date submitted for another dispute, first disputed was back in XXXX of XXXX {$990.00} dollars this company southwest credit system keeps trying to make me pay, this account isn't mine and I don't know who these people is and its impacting my credit really bad with this hard inquiry. I disputed it with XXXX  twice and XXXX is asking for documentation that I don't have because this account isnt mine. the consumer isn't trying to do nothing but keep making hard hits on my credit report resulting in a dramatic drop every time they report this false account that i know nothing about
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American First Finance, Inc. (NJ)

American first finance i have a fraud with a balance {$1000.00} I want to remove that from my account because I have never have account with american first finance. it's coming out in my credit. PLEASE REMOVED THAT ACCOUNT THANK YOU this is my contact number XXXX and my email is XXXX My adress XXXX XXXX XXXX XXXX nj XXXX XXXX
Consumer complaint received 2018-07-13
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: Midwest Recovery Systems (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2020-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXXXXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXXXXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 

XXXX XXXX XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX XXXX XXXX # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Consumer complaint received 2020-06-18
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-06-18
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. (PA)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2018-01-21
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: SUNTRUST BANKS, INC. (NY)

To whom it my concern, never made any inquiries on my credit. Suntrust bank is on my hard inquiry that I never did. Please look into this cause I did n't look for any loans for anything. Thanks XXXX XXXX.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

PHH Mortgage Services We are trying to refinance the loan and combine with first mortgage as loan was maturing in XXXX. 

Unfortunately XXXX happened and our family was infected with XXXX in late XXXX before the loan came due. 

We immediately tried to refinance with the company and combine with our first mortgage but be were unable to complete the process because of the virus. 

After speaking with the company and asking for assistance, we tried to make monthly payments online but they were not accepted after being instructed by a service rep. 

We then attempted to refinance with another company but XXXX had marked us in default even though we were told them were were have difficulties due to XXXX we should not be marked late ( or anything that would negatively impact us XXXX. 

XXXX then sent us a bill for {$1400.00} which was sent with check # XXXX. This check was sent back. 

Now they are asking for XXXX, which they say we can't pay and should ignore there attempts to bill us monthly. 

After to many HOURS to count on the phone with XXXX, I have been told about the default, forbearance, forbearance disaster relief, that we were rejected for relief, that we were rejected the CARES act protection, that they will not remove the default, that a investigation has already been done, that nothing can be put in writing, then someone said they would send a letter that we dont qualify for a credit retraction ( but we were disconnected and never received ), to send our credit report to XXXX, to not send it as nothing can be done, that default was not reported, etc ... Every call gets a different response. 

Now, we are unable to refinance the loan with the negative impact on my credit. We were never late in 15 years and have made every attempt during these times not only to stay current but to refinance. 

Please help. If this is happening to us, it must be happening to others.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX, I opened an account with Marcus Savings ( a Goldman Sacs company ) and transferred {$50000.00} from my XXXX XXXX account. I opened the account because it was paying 1.05 % -and my son told me it was " awesome. '' I already had a long-standing savings account with XXXX XXXX that was earning 1 % and I was very happy with it. On XX/XX/XXXX, I received an email that said the interest rate was dropped to .8 % I didn't see any reason to continue to keep that account ( I had had a few other deposits into the account as well ... ) so I immediately transferred {$50000.00} into my XXXX  XXXX account. The " screen '' told me it would occur in 2-3 business days. The next day I checked my " app '' and was told I was " temporarily locked out '' and had to call XXXX to unlock my account. When I called, I was told that my account was locked until I provided them with statements from my XXXX XXXX account ; I refused -I see it as irrelevant and definitely non essential. TWO excellent banking sources I use ( one from XXXX XXXX ) told me they had NEVER heard of asking for statements for a bank account. I could get NO OTHER information from Marcus. The funds are STILL LOCKED at Marcus and I can't seem to get the money out. I sat on hold along with a Representative from XXXX XXXX  for 41 minutes late last week ( probably XXXX  XX/XX/XXXX ). I've tried numerous times to call but no one will talk with me or reset my account OR give me my money. I even asked for them to mail me a check but they won't help me.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank : XXXX - I have always paid this account online and I was not late on XX/XX/17. This was submitted by me personally through their online payment system. Therefore this payment was not late. Please remove from my credit report immediately!!
Consumer complaint received 2020-06-18
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: Westcreek Financial (TX)

A company named West Creek Financial is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted West Creek Financial directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$86.00} XXXX  XXXX XXXX {$1100.00}
Consumer complaint received 2022-10-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. XXXX. Loan # XXXX XXXX # XXXX. I, XXXX XXXX, power of atty for the homeowner with the reverse mortgage, XXXX XXXX XXXX. 
I, XXXX XXXX, with POA on file with PHH, have requested 3 draws for line of credit in order to pay for my mother 's needed health aides as she is not well and requires assistance. All 3 requests have been denied WITHOUT notice - as I wait for the funds. The first time, when I called to inquire on the funds, they said it needed to be notarized with " Power of Attorney ''. The 2nd request was denied because they said it was signed incorrectly ( after they instructed me how to sign it ) by signing " attorney in fact ''. A third request was signed as instructed and notarized. Without notice, this way also denied stating the signature went beyond the signature area. It is signed on the line and not past it. It is notarized. When I asked to speak to a supervisor after being placed on hold for long periods of time, I was informed there are NO SUPERVISORS OR MANAGERS available to take my call. PHH is refusing access to my mother 's equity. I am unable to pay her bills.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX ; Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.