davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (AL)

I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX 
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 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 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 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 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 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 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 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 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 XXXX
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and XXXX  every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of a scam. I am a XXXX XXXX XXXX mom that needs to make money. I looked online and found someone offering a job I could easily do. They offered to pay me before the work. I looked them up Online, their company, even their home address. Everything seemed legitimate. They told me they would cut the check through their work, XXXX, and not to worry about the endorsement on the back. I submitted that to my bank and there was an instant hold. I wasnt surprised to the amount. Then I noticed I no longer had access to my account to deposit or withdraw. I called boa and they said that the check was a bad check and that I was now a liability to the bank. Id been banking there for over 30 years and now Im a liability? I spent hours on the phone trying to get it fixed. I was passed along from person to person who treated me like a criminal. They all just said oh well and youll have yo appeal with the fraud department thats not with Bank of America. Here we are 3 weeks later and my account is opened and refunds are being submitted but the account is being closed and I cant open another account because Ive been flagged as a liability
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

Company refuses to answer any internal messages about my complaint. 

On XX/XX/2022 they reported that I had a balance of {$4800.00}. 
They published to my lender that I failed to make payments in XXXX. 
On XXXX XXXX Comenity failed to accurately reflect payment information and caused me to make a double payment, which overdrafted my account 3 times and caused late payments bills. 
I lost my RV loan and truck loan once again.
Consumer complaint received 2023-03-16
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. (AL)

I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and Transunion reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law
Consumer complaint received 2023-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was informed that Bank of America made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX  XXXX  XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter Trans Union and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX  continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX XXXX website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with Trans Union and XXXX  and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XXXX XXXX and a balance of XXXX should be reflected on all three credit reports?
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I notified XXXX, XXXX and Transunion that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.
Consumer complaint received 2023-03-16
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: ENOVA INTERNATIONAL, INC. (RI)

on XX/XX/XXXX a hard inquiry landed on my credit report for XXXX from a company called NetCredit. I called the company who had my personal information. I let them know that I never applied for any credit from them and did not want credit... they said there is nothing they can do because a request was made but didn't give me any info as to who or where the request came from ... they told me they would flag the request but they would not remove the inquiry. I let them know it was fraud but no one has gotten back to me about it. they refused to delete the request and said that they couldn't prove i was correct over the obvious thief of my identity. Shame on that company!
Consumer complaint received 2020-03-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (GA)

Every day starting from XX/XX/2020 everyday until today XX/XX/2020, the organization called Lincoln financial automotive services calls my phone repeatedly harassing me regarding a late auto payment. Im a XXXX and retired person and my daughter lost her job and has been unable to pay the desired car note amount. My daughter has attempted to work with Lincoln financial automotive services to no avail and they are not willing to work with her or provide her any options.
Consumer complaint received 2023-03-16
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. (PA)

Fraudulent Accounts Appearing On Credit Report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX {$520.00}
Consumer complaint received 2023-03-17
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX Account # 's XXXX, XXXX These accounts 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 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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. (TX)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

xeter has been reporting late payment on my account since XXXX XXXX. I contacted them XX/XX/2022 and spoke with someone and they provided me with a payment extension for XX/XX/XXXX & XX/XX/XXXX, they sent the form on XX/XX/2022 and I signed the form on XX/XX/2022. I checked my credit recently and I see that it has been reporting late XXXX, XXXX, XXXX XXXX, and XXXX. I called and was told I needed to email the report and forms showing where I did sign, I did that and was told it had to be sent via the portal. I then submitted the forms via the portal. I was then told it needed to be mailed in to disputed. I disputed the issues with all credit reporting agencies, providing the signed form and stating that it was submitted so I don't understand how it late. I received a letter back from Exeter stating nothing would be updated, the late payments were staying. I then called Exeter and explained the situation and was told the extension was not applied because it was never received and that is why the late payments are remaining. Exeter agent basically insisted I never completed the form. I then contacted the company XXXX XXXX and confirmed in fact I did sign the form and it was sent to me on XX/XX/2022, and then submitted to them on XX/XX/2022. I had XXXXXXXX XXXXXXXX email this along with forwarding over the confirmation email that was sent on that day when I signed. I emailed all this information to Exeter again and was told to send via portal. I then sent via the portal then I was told told this should be handled by the phone. I called Exeter back once agin and the first agent stated I should be emailing customer service about this, I explained I had done this, he too insisted well I didn't submit the form and it was my responsibility to make sure the form was received, even though I received a confirmation email that came from XXXX @ XXXX that the form was completed and sent. No one is trying to assist or look into the issue with their system, I need help addressing.
Consumer complaint received 2022-08-04
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. (MO)

This is not a 3rd party nor did I submit this in error.This is second letter I have sent to Equifax and they are intentionally and willfully being neglectful in remedying my affairs, see attached
Consumer complaint received 2019-02-19
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. (MD)

To Whom It May Concern : RE : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX This letter is a formal complaint that you are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX : XXXX The account balance is incorrect, please delete. XXXX, XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

In my XXXX XXXX app, I got an offer to apply for XXXX XXXX credit card so that I will get XXXX miles. I applied and when I submitted the application they declined and saying the reason that I submitted multiple applications for credit. 

Earlier they said some other reasons and they did not say anything about that in this declining letter. 

So pelase ask them to stop sending me such advertisement materials and then declining applications. If tehy have no plan to approve why they are sending my such advertisements
Consumer complaint received 2022-08-04
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. (TX)

According to Title 15USC 1681 # 3, and # 4 Equifax assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the Equifax agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
Consumer complaint received 2019-02-19
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. (GA)

XX/XX/XXXX I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (WA)

I brought XXXX XXXX XXXX  and in XXXX  with Well Fargo Bank and the interest rate was very high and did try to refinance though they denied me. I have been paying the loan for six years. In XXXX XXXX the car was stolen in a park n ride in XXXX XXXX, Washington. I am working with my insurance to see if the car is fixable or if they will pay it off. But Well Fargo decided to change off the car before the insurance finished the process. Well Fargo Representative told me on the phone they will unstill my insurance process. After a few days I received a call from Well Fargo and the representative said that my car was charged off which will impact my credit now. Well Fargo reported that I was late on the payment which was not true.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update it to current/ paid as agreed.