davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2020-11-04
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: ALLY FINANCIAL INC. (TX)

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

on XX/XX/2019 I deposited a {$9000.00} cashiers check from my home equity line thru Bank of America mobile banking app, the bank placed a hold on funds until XX/XX/2019
Consumer complaint received 2021-04-01
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. (NC)

XXXX, XXXX  and EXPERIAN is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES XXXX  is reporting 11 INQUIRES EXPERIAN is reporting 8 INQUIRES
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I was shocked to learn that Synchrony bank closed my account on XX/XX/XXXX, not because I wasn't credit worthy, or because my balance was past due, but because two auto-draft bank payments in XXXX and XX/XX/XXXX ( my account was on autopay so I didn't miss a payment ) kicked back. I wasn't even aware there was an issue and was never notified. I spoke to a representative who could not help me, and then a manager who said their accounts automatically close on customers the second time a bank draft kicks back. Even though again, it was 4 months ago and I was never notified of an issue. I also paid the company for missed payment insurance through them which now in hindsight seems like a scam as my spouse did lose his business due to covid-19 and we pay from a joint checking account. Ironically, his account is still open. They never asked me about this insurance coverage or to apply it, this closure came out of nowhere. I just took it off autopay because I don't know what else to do, I even offered to pay it off ( full balance ) and they still declined to restore my good standing. This does not feel right, it is not fair to blemish my credit without giving me any opportunity to make it right or resolve the issue.
Consumer complaint received 2020-09-12
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)

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
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. (CT)

I have contact XXXX about this problem and also Equifax about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.
Consumer complaint received 2017-09-14
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. (CA)

XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXXt XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized please remove them from XXXX, Equifax and XXXX
Consumer complaint received 2019-11-08
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. (MD)

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, XXXX and Experian are failing to remove these inquires.
Consumer complaint received 2019-06-09
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: Real Time Group, Inc. (NY)

I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ). 

XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. 

I have requested XXXX  to notify myself in writing, with a copy to RTR, confirming that XXXX  ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX   but they continue to fail and refuse to do so. 

I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX.

However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago.

I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. 

Further, RTR should b e held accountable for their actions.
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

In midXX/XX/XXXX, I received a notice from our local magistrate for a Civil Action filed against me by Midland Funding LLC c/o XX/XX/XXXX in the amount of {$3900.00}. The hearing was scheduled for XX/XX/XXXX. I called the office on XX/XX/XXXX to make a settlement offer. They refused the offer and withdrew the lawsuit and will not take it off of my credit report and did not make a counter offer. I received my notice in the mail from the magistrate that the hearing was cancelled onXX/XX/XXXX. Any phone calls after this date have not been returned by the company.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX at XXXX XXXX I attempted to deposit 1400 usd to the Chase bank ATM that I frequent. I put my card in, typed my pin, and selected that I would like to make a cash deposit in my checking account. The ATM prompted me to insert up to 100 bills. I inserted 14 100 dollar bills. It shuffled around for 3 minutes and then came back and said to call XXXX to verify it went through and it also printed out a receipt showing the same. I called and the customer service rep told me to it did not go through and told me I will have to contact their claims department in the morning since they were closed. I waited a little bit longer to see if it would spit it out but it didn't. I called back the next day and filed a claim and they said they would issue me a temporary credit within 2 business days which was inconvenient but fine whatever. Today XX/XX/XXXX was the 3rd business day so I called back and they told me that they couldn't find the sequence number that I gave them that was on the receipt and therefor had to escalate to a different claims team and that they had to research this and that it would take up to XX/XX/XXXX to possible get a temporary credit. I told them this was unacceptable due to my rent being due 2 days ago and im getting charged daily for late fees and all they kept saying qas there was nothing they can do. I went to the branch and they tried to call the claims department and were met with the same thing. I'm at a huge loss and they don't seem to care and I'm getting charged daily late rent fees because of getting robbed by my own bank.
Consumer complaint received 2021-07-02
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: M&T BANK CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (MD)

I have sent a dispute out to XXXX, XXXX, and XXXX that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Consumer complaint received 2019-06-09
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: Experian Information Solutions Inc. (TX)

experian you are reporting an alleged account that is not owned by who you are reporting I have request many times that you remove this account enclosed is the evidence that you are maniplating consumer credit reporting seems you have been doing this a lot which violates the FCRA, your credit reporting needs investigated you are reporting this on your experian credit report dated XX/XX/2019 remove this violation of reporting at once. PLEASE DONT SEND YOUR TEMPLET LETTER THATS GETTING OLD ANSWER THE DISPUTE
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-01-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander consumer finance sent a towing to repossessed my vehicle after being put in a billing error status pursuant to 15 U.S. Code 1666 - Correction of billing errors. Which is a violation of my rights. There was no warrant of execution by the judge presented. At XXXX they breached my peace lifted my vehicle off the ground and I was told by towing company that they would shoot me if I tried to stop them. 

I have been in billing dispute since XXXX. 
I notified Santander of XXXXXXXX XXXX  fraudulent activity. 

I have sent payment for payoff request and its documented Santander lost it. 
I shouldnt be obligated to pay any longer. 

I should have been placed in a do not pay do not collect status while and investigation was done and a new loan was drafted instead my life is threatened for a car
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CA)

In XXXX of XXXX I received a call from a debt collector regarding debt. I let the person know I had never received a bill and would not pay this debt unless I could verify that it was MY debt and actually due. The representative was rude and hung up on me. 

To date I have never received any documentation regarding this debt, therefore I have not paid it. 

If a debt collection agency can hit a persons credit with inaccurate information or with claims of a debt whats to say any of these accounts are accurate.
Consumer complaint received 2019-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NH)

I use Money Gram to send XXXX XXXX to my parents back in XXXX on XX/XX/2019, with home delivery as service option. Today is XX/XX/2019, and my parents are still not yet to receive the money. I tried to work with MoneyGram, and already called them 3 times. But every time that they told me that they have no specific time of when they can resolve my issue, and told me to call back in 2 to 4 business days. They do not even to give me the case number. This company is a scam.
Consumer complaint received 2021-07-02
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. (MD)

My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from XXXX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called XXXX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my reports.