davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

I was late my a day making my payment in XX/XX/2020 XXXX the payment was due XXXX XXXX, I paid my balance in full on XXXX XXXX ). Consequently, Comenity assessed me a late fee. I called on XXXX XXXX and spoke with a representative to ask them to waive the late fee. The representative stated that they could reduce, but not completely waive, the late fee, and that my new amount due would be {$15.00} ; I paid {$15.00} that day. However, Comenity never reduced the fee as the representative had stated, and has continued to charge late fees every subsequent month, as well as interest charges on the late fee balance, which together now total {$170.00}. I sent Comenity a message through their secure message center on XX/XX/2020, indicating the error. Comenity replied on XXXX XXXX that they were not responsible and would not resolve the problem. On XXXX XXXX, I filed disputes with the three credit bureaus. Comenity called me on XXXX XXXX and I again indicated that all the fees and interest charges were the result of their error ; they again indicated that they would not resolve the problem.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Experian allowed an unknown individual to access my Experian account, change my email address and to access my personal financial date to include my social security number. Experian did not try and contact me via email to inform me that my email address had been changed. 
When I found out about this, I contacted Experian and their response has been less than adequate. Experian has outsourced its customer service function to the XXXX, and even after I spoke with a supervisor named XXXX, they were at best rude. 
The individual who accessed my personal information made several attempts to obtain credit, but was so far ineffectual. However, my XXXX score has dropped from XXXX to XXXX. 
I want to bring legal action against Experian because of this. I did record my conversation with Experian and can provide you with a copy of the recording. 
My name is XXXX XXXX. Currently I am living in the XXXX, but because of this I will have to return to deal with this financial catastrophe. My email address is XXXX. My cell here in the XXXX is XXXX.
Consumer complaint received 2022-09-22
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. (FL)

XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in numerous request to the credit bureaus to remove these fraudulent and illegal accounts from my credit report. Please do so immediately as you all have not responded back to any of my request : Dept of education XXXX
Consumer complaint received 2021-01-28
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: PNC Bank N.A. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, PNC BANK add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-22
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking account.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX Acct # XXXX this company is reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company has reported inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct XXXX XXXX this company is reporting inaccurate and incomplete information on my credit report. This is account is also possible older than 7 years old with the original creditor and I tried to find this business and it could possibly be closed or under a different name. 

This is negatively affecting my credit report.
Consumer complaint received 2022-09-22
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. (FL)

XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT
Consumer complaint received 2021-01-28
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. (TN)

There were several federal laws XXXX, Transunion, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information.

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX current balance amount is {$1000.00}. Citibank closed my account around XX/XX/XXXX and I still havent received my current balance left in my checking account. They keep stalling the process and keep telling me to check back in XXXX business days when they are going to mail my check.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-09-22
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Account charged {$400.00} on XX/XX/07 through XXXX XXXX. Money was used to purchase an item from a merchant. Merchant blocked my account and never sent the item to me so was a net loss of {$400.00} with no item received. Claim made with wells fargo and was denied with no reason as to why the claim was denied. 
I made a previous complaint with wells fargo about claims taking months to resolve, which will not allow me to close out my account with them. They still have not closed out claims and won't give me a reason as to why it won't close nor a timetable as to when it may close. I was given a claims specialist number and they won't return my calls or contact me with any updates. I want to close my account with this bank. I have been a member of their bank for almost 10 years, and I have never experienced more fraudulent charges along with terrible customer service.
Consumer complaint received 2021-01-28
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. (AL)

My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Consumer complaint received 2022-09-26
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. (NJ)

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX  ( XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )
Consumer complaint received 2022-09-22
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: Atlanticus Services Corporation (PA)

I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX 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 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available XXXX shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional XXXX shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXXXXXX XXXX contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my XXXX XXXX XXXX XXXX account to a Citibank account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX XXXXXXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the XXXX and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX ( XXXX ) has been taken down.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NY)

Discover Card, Back on or about XX/XX/XXXX, I made a payment arrangement over the telephone with Discover Card 's customer service to payoff my debt. I was instructed to pay {$620.00} to pay off my debt. I agreed to pay {$310.00} x XXXX = {$620.00} on or before XX/XX/XXXX. 

I made the first payment received by Discover Card on XX/XX/XXXX. The second payment was received on XX/XX/XXXX. Since XX/XX/XXXX, Discover Card refuses to send me a Debt Collection letter affirming my debt is paid in full. My debt remains open to all three credit bureaus. On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, The Executive Office at XXXX refuses to send me a Debt Collection Close Out letter so I can have XXXX XXXX XXXX advocate on my behalf to have this debt declared CLOSED and PAID IN FULL. 

At various times on XX/XX/XXXX, and XX/XX/XXXX, I have been told by unsuspecting Customer Service Reps that my original payment plan " is not in their system. '' Meaning, they have no notes written in their database regarding my agreement I made on XX/XX/XXXX. 

On XX/XX/XXXX, I " audio recorded '' a Service Rep. admitting my last two payments received on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX when a male, service rep, " XXXX, '' who works at the Executive Branch Office attempted to feign no ignorance of my original payment plan, I told him I audio recorded my earlier conversations proving my payments were received. 

Discover Card does not send payment receipt records to their former customers. Instead, I got a letter showing my outstanding balance. This is how Discover Card reneges on their Final Debt Arrangements and Promises in order to circumvent the law. 

Discover Financial Services , Inc. and Discover Card are CORRUPT!!!!!!! 

They have a pending federal lawsuit filed by me. This is adding to my frustrations. They are in violation of NYS Fair Debt Collection Act. NYS and the Federal Fair Credit Reporting Act. 

I DEMAND my Close Out, Debt paid in full letter ASAP!!!! 

XXXX XXXX.
Consumer complaint received 2022-09-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-01-28
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: TRUIST FINANCIAL CORPORATION (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SUNTRUST AUTO DEALER FIN add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.