davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (NY)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, XXXX, XXXX XXXX and XXXX  XXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (CA)

Recently I decided to move to Sofi to refinance my student loans to a lower rate. A representative from SoFi informed me on the phone that if I have a Sofi Savings Account, I will get a 0.125 % discount for my student loan refinance. So I did. I opened the savings account. When my loan was funded, I see now that the promised 0.125 % discount never materialized. When I called SoFi, they said that I needed to have a positive balance in the Savings Account. I mentioned to the representative that no one said anything to me on the required balance amount. The representative said even a {$1.00} of balance would have helped you with your discount. 

So basically based on the miss-information and the promise of the 0.125 % discount that Sofi provided, I moved to SoFi. Not only I did not get it, but also the representative did not even try to work out a solution. SoFi has the recordings from that day and if you listen to it, you will hear the miss-information. I have attached the recording from my conversation with SoFi representative that he agreed for me to record from today 's call. 

This is not right that a company gets away from giving miss information and the consumer is left alone to the corner after they get my business. I could have gone to another company with a lower rate like XXXX XXXX, but choose SoFi based on the additional discount.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A car dealership submitted car application for my daughter with her name, my social security number and birthdate. I did not give them my information and did not offer to be a co-signer. I did not know until I received a credit alert email. I submitted a dispute on XXXX and Transunion. I spoke to someone using Transunion chat feature and they promised to escalate the matter. Transunion returned the call but I missed it and when I called the number back Transunion refuses to take this information off of my report even though my credit report now clearly shows my daughters name on MY report as an inquiry. There is no way to dispute inquiries on the website.
Consumer complaint received 2021-06-11
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: WELLS FARGO & COMPANY (AR)

I recently went to finance a car so I have 4 recent inquiries, I downloaded my transunion report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX  XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Wf/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (GA)

I have an account with Gemini Trust LLC trading platform. I have over {$1900.00} on the platform. I am unable to withdraw my funds because they have not verified my identity. I have been waiting over 6 months for the verification to be completed. Please help me. My name is XXXX XXXX and I can be contacted at XXXX.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made 1 payment in 4 years .Ive already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed
Consumer complaint received 2021-06-11
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. (LA)

I have tried on 3 separate attempts to have this account updated CORRECTLY!!!! Equifax continues to report the account as charged off when this account was settled and should report as paid in full. Ive sent them proof of this and it still has not been corrected.
Consumer complaint received 2021-07-25
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. (LA)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2021-06-11
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. (FL)

I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.
Consumer complaint received 2021-03-09
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McNeil & Meyers Asset Management Group, LLC (TX)

An employee of McNeil & Meyers left a voicemail saying that they would be moving forward against me in my county and if I wanted to avoid litigation I needed to call their office and take care of my debt. They company never actually filed suits against me in my county and the statute of limitations to file suite for the debt had expired.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXXXXXX XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXX XXXX : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2022-02-22
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXX BANK : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} SXXXX XXXX XXXX  : XXXX -- -> : {$530.00} XXXX  XXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2022-02-22
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

n accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-11
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear XXXX, Transunion, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX Transunion, please remove the following fraudulent account from XXXX Bank from my credit profile as well. XXXX XXXX Account XXXX : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and Transunion profiles.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (GA)

XXXX XXXX account has been flagged as 150 days past due. During previous attempts to contact organization for assistance with making payments, I informed them on multiple occasions that I am experiencing a financial hardship and can not pay exactly at this time. The organization has not worked with me in any way. I have been told on multiple occasions that there is absolutely nothing they can do, and that they do not offer assistance if you are experiencing a financial hardship. My recent hardships have subsided in the last two weeks. However, my previous interactions with this organization have completely discouraged me from even attempting to resolve this with them anymore. I contacted the organization in XXXX, XXXX, and XXXX to inform of financial hardship. This organization has continued to charge me interest and fees to the point where limit has now doubled and they are demanding a payment of 400 dollars. The limit of the card in question is {$300.00}.
Consumer complaint received 2022-02-22
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. (MI)

n accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-26
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: CITIZENS FINANCIAL GROUP, INC. (RI)

I have tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Consumer complaint received 2021-06-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On or about XX/XX/2021, I discovered that the bank had stated to the credit bureaus that I was a month late. After going through the online banking app I discovered that ( they ) missed a payment I made in XXXX. It was not discovered until XXXX because I always overpay. It has been six weeks that I have been dealing with them, they have found my money, they paid it to the wrong loan, who is I do not know. They stated they have requisition to get that money back. This was not my fault, this was their error, I have shown and proven to them and theyve excepted that I have made those payments. To date they have failed to credit my account, failed to Fix my credit that has gone from excellent to fair. It is stressing me out a great deal. I am very close to refinancing my house to a lower interest rate, however, this is not gon na happen now because they will not fix my credit and adjust my loan accordingly. Please help.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

On XX/XX/XXXX I received the first of six letters from National credit Adjusters , LLC, claiming I owe XXXX toXXXX. Ive never taken out a loan with that company and have never heard of them until I checked my credit report at the beginning of this incident ; in XXXX XXXX looked at my credit report, but I never made any contact with them. NCAs first letter said this supposed account was delinquent and all future contact and payments were to be made to NCA, again, there never was a previous loan or any contact. Each of the subsequent letters were the same : a payment structure options plan, always for the same amount, XXXX. After researching NCA and seeing the harassment tactic claims against them, I have and will not contact them since the only have a mail address. Ive filed a claim with the FTC as well.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

To whom it may concern, I was applying for a mortgage with XXXX XXXX middle of XX/XX/2021 ( Mortgage Loan Officer NMLS ID : XXXX PNC Bank ) when she just stopped responding after I emailed her all my financial documentation. I feel my identity has been stolen just like my financial information. I never got a response, tried to email her or call her, and just no response at all. I feel she stole my identity. 

( c ) XXXX ( f ) XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX