davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
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. (CA)

I was at XXXX XXXX today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

PNC should be able to be linked to XXXX. PNC is a phenomenal bank with great structure, but this is something that shouldn't even be a problem. I switched banks due to relocation, but now I can't connect my XXXX account to my PNC bank ... ... ..bummer
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (GA)

In XXXX with the Fair Credit Reporting Act and XXXX Account # 1. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Paramount Recovery Med Account Number. : XXXX {$930.00} 2. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX {$120.00} 3. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX : XXXX {$100.00} 4. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  : XXXX {$750.00} 5. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX  : XXXX {$300.00} 6. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX : XXXX {$92.00}
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2020-08-11
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. (CO)

on XX/XX/20 I received an alert from Experian stating that someone has looked at my report a hard inquiry from some small business loan place. I do not own my own business i did not apply for a loan. I have tried contacting the number on the hard inquiry and they transferred to a line that hung up on me. I have tried calling experian and have gotten no where I do not want this on my credit report I did not apply for a loan and if someone is using my info its needs to be stopped before they open up any loans in my name or on my social can someone please help.
Consumer complaint received 2020-06-17
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Consumer complaint received 2020-06-17
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. (CA)

Equifax won't remove personal statement. 
Opened up 2 prior complaint already, each time they say they update the information, but as of XX/XX/2020, the personal statement I want removed is still there. 
XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NV)

I am filing this complaint because I have contacted Apple Card ( general Mastercard account serviced by Goldman Sachs Bank ) over five times in the past five days and the customer service representative has been unhelpful and has failed to follow up on my concern after saying they would within a 24 hour timeframe. I received an e-mail communication from Goldman Sachs Bank on XX/XX/2020 saying that my Apple credit card was canceled ( email attached ) due to Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. Upon receiving this email, I carefully reviewed all my available credit card statements and the Goldman Sachs Apple card member and rewards agreement again and first called the bank at XXXX on XX/XX/XXXX at XXXX XXXX ( pacific time ) and spoke with a representative named XXXX who attempted to find the reasoning for the account closure. Even the Goldman Sachs representative, XXXX was baffled and could not find the exact reasoning behind the closure of my account. XXXX stated she would make a notation on my account and submit it for further review. XXXX did not have the resources to help me further other than to forward my inquiry internally to another escalation level. I am not satisfied with the reason for the closure of my account because it is ambiguous and does not clearly state the specific reason of an alleged violation. It only states an ambiguous failure to comply with the card member and/or rewards terms, which is not acceptable. Attached to this complaint are all the copies of my credit card statement since this account was opened. As my account history shows, there is no activity or transaction that constitutes a violation, breach, or failure to comply with the card member and rewards agreement terms. It seems that the bank or the system that the bank utilizes has made the decision to close my account based on an unqualified arbitrary reason that is not specific, lacks a qualified reason and is certainly ambiguous. I have relationships with several other banks and unfortunately, I have never encountered such a situation where only a generalized ambiguous reason is given without any specificity nor have I ever not be given the courtesy of a notice via mail or phone call before an account closure action. This type of conduct has a negative reflection of Goldman Sachs Bank in my view and will affect my decision to ever have a relationship with the bank if I can not get a clarification of the closure reason.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report
Consumer complaint received 2022-10-30
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. (AL)

walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


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 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NV)

Hello, I recently signed up for the " Free '' Experian credit boost. It showed my current credit score a little over 700 and it asked if I wanted to boost it for free.. I did that and it did go up to XXXX but then it told me that they could boost it more if they take into consideration my utility bills, which are not normally reported to credit agencies. I would have to give them my bank account information to do that and I opted not to do it. I thought my score was higher than that, but I didn't have time to look further into it. 

About a week later, I got an email from them notifyingme that there was a drop in my credit score and I should log in to look at it. I logged in and it said my score was only XXXX! It scared me thinking that maybe I was a victim of identity theft or something. It said if I wanted to see what the issue was and get it boosted, I could subscribe to their service for {$24.00} a month! 

I then remembered that I have free credit monitoring with XXXX XXXX,  so I logged in and my score is actually XXXX. ( I have attached screenshots of both agencies ). This is a HUGE difference.

I feel like Experian Boost does this intentionally to scare people into thinking there is something wrong with their credit so they pay them. This is a very deceptive practice and I hope more people have complained. There should be some law against this! 

Thank you for listening.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-06-17
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 was at XXXX XXXX  today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (TX)

I have a loan with AVANT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and AVANT with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX, I attempted to open up a business bank account with XXXX XXXX XXXX XXXX located in XXXX, GA zip code XXXX. Upon trying to open up my account with this credit union, I was informed that I could not open up my account due to a fraud matter showing on my credit or consumer report. The following information that is inaccurate on my reports/files is as follows : Contributor : BANK OF AMERICA XXXX XXXX XXXX : XXXX Name : SSN/Tax ID # : SSN/Tax ID # : Address : ID # : ID Type : Other Date of Birth : Bank Routing # : XXXX Account # : XXXX Account Type : Unknown Incident Date : XX/XX/2018 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud The person ( s ) who attempted to open up this account or open this account submitted the wrong DOB. They had my parent 's address and all my other personal information. However, the DOB provided is not my DOB.
Consumer complaint received 2020-08-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2020-06-17
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2022-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

To whom it may concern, I hope you are doing well. I am here to complain regarding the the time its taking to get a refund on my student loan payments ( ~ {$4000.00} ) from EdFinancial. Although I understand plenty of people are requesting refunds, I called on XX/XX/XXXX to request a refund. I followed up the following week of XX/XX/XXXX if the refund process has been started. I asked for an ETA from them but I was not given one.In fact, I filed a complaint through the CFPB on XX/XX/XXXX to get a response from the lending company. I plan to call on XX/XX/XXXX to check on the process. A refund shouldn't take longer than a month since I am aware of people who are getting their refunds faster than I am.
Consumer complaint received 2020-08-11
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. (SC)

I called Trans union customer service at XXXX XXXX on XX/XX/2020. I spoke with CSR XXXX about three reporting inquiries that did not belong to me. I explain to XXXX numerous times of the previous actions taken to confirm the inquiries did not belong to me. He reiterated that I send another letter or do a police report considering I did a previous option. I was very disputed with the customer service I received and that he really didn't want to assist me. I have three inquiries which are from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that should not be there. I would not advise anyone to contact Transunion customer service if they want help because they will not receive any.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (PA)

Td credit card co. Reported false info. To the credit bureau. They said I missed two months of payment which. I havent. I was late. On payment. And the women I spoke to at td indicated this shouldnt of happened. My. Credit score dropped almost 200 point. Please rectify this. ASAP thank you Im trying to refinance my home and this is really hindering me
Consumer complaint received 2020-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX a transaction for {$240.00} from Tickets Jurassic park through XXXX and a transaction of {$38.00} through XXXX ( insurance for tickets ) was posted to my account. Both of these transactions were authorized and legitimate. The event was since cancelled due to Covid -19 and XXXX XXXX stated that the funds would be credited to my account within 30 days, and they never were. On XX/XX/XXXX I called Citizens Bank to file a dispute for these transactions and on XX/XX/XXXX i was issued a provisional credit of {$280.00}. 

On XX/XX/XXXX I received a letter in the mail stating that i never completed additional paperwork needed and that my provisional credit would be reversed on XX/XX/XXXX. I contacted the call center XXXX on XX/XX/XXXX to inform them that i never received any additional paperwork and if they could please send again i would be happy to complete and forward. I have still not received this paperwork. They stated that i should be receiving a call from their Electronic Banking Department, but I never did. On XX/XX/XXXX after the provisional credit was reversed i called their XXXX again and requested the additional paperwork and was told that i would receive a phone call from their Electronic Banking Department within 24 hours and to look for a XXXX phone # to call. I have yet to receive a phone call. 

As of XX/XX/XXXX, i have not received a phone call from Citizens Bank 's Electronic Banking Department, i have not received any additional paperwork and my provisional credit has been reversed.
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (LA)

I just learned that dual tracking from the mortgage company and that exactly what they did to me. 
Midland mortgage was telling me on every call that i could make a payment and it would postpone the foreclosure as long as i was making a payment. Yet, i was still given a sheriffs sale date. I would call them no less than once a week. I had to leave my home. I can not undo what midland did but they should be forced to remove the foreclosure from my report so i can buy another home. Do i have legal recourse for what they did?