davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I was pre-approved for 3 of Comenity Bank cards in XX/XX/XXXX. To include the following : XXXX XXXX XXXX - $ XXXX limit XXXX XXXX XXXX- $ XXXX limit XXXX XXXX XXXX - $ XXXX limit I applied and received the above credit limit for each. Sometime around XX/XX/XXXX the cards arrived and I activated each one. The very next morning each card was frozen/blocked. No transactions at all. I called in to see what happened and I was told the cards were blocked and i needed to send in documentation for my identity purposes. I emailed XXXX around XX/XX/XXXX and was told it will take 30 days to review. I sent in color copy of my GA DLs front and back. Color copy of SS card front and back and pdf copy of GA power utility bill. I called back two weeks later to be told that all my accounts were closed and the documents werent to Comenity bank standards. ( Not sure what that means ) and that I would have to reapply without any further explanation. However there letter states that they will not close the accounts until after 30 days. We are still within the 30 days as of today XX/XX/XXXX. I resent documents again today to also include my most recent W-4s. My credit now shows that a creditor closed an account which is negative and also the inquires they used to approve me for each card. Why close my accounts in the first place? There were no transactions and all my information was correct even my documents I sent twice. Just to tell me to reapply again?
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 2. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, XXXX} 5. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Consumer complaint received 2021-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

The mortgage servicer for USAA, XXXX, refused 3 payments I made through online bill pay without explanation and then attempted to charge me late fees after they refused payments. They payments were returned to my bank account without explanation, despite multiple inquires. 

Additionally, I have made partial payments which they have not applied to my loan balance.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (GA)

I have so upset. I don't ask for much all I ask for is to be treated fairly. I have repeatedly told your company that there are errors only my credit report that are preventing me from doing the things that I need to do in order to provide for my family. My family and I are struggling and very frustrated about the troubles we are having. I f something is not done immediately we will in fact seek litigation. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I was the co-signer on my son 's new car purchase XX/XX/XXXX leased through Toyota Financial Services ( TFS ). The Toyota lease was setup for automatic payments starting late XX/XX/XXXX. From XXXX to XX/XX/XXXX, without our knowledge, Toyota Financial Services withdrew payments for the lease from another unknown person 's account. My son was in the military during this period, and he noticed in XX/XX/XXXX there were no Toyota Lease payments being withdrawn from his personal checking account. We logged into his Toyota Financial Services online account and noticed that the checking account number listed in the TFS account was off by one number, and payments were being made from an unknown person 's account. We immediately updated his TFS online account to reflect his correct checking account number and in XX/XX/XXXX and forward all payments started being withdrawn from his checking account. In XX/XX/XXXX, we also immediately contacted Toyota Financial Services of this error and it took TFS 3 months to investigate. On XX/XX/XXXX, Toyota advised us of the payment due and that they had reversed all the previous erroneous payments to unknown account. TFS did not disclose to us how the account number error occurred or how they were able to withdraw my son 's Toyota lease payments from another person 's account. We made one lump sum payment on XX/XX/XXXX, for the previous erroneous payments. TFS representative advised us that the previous erroneous payments would effect our credit reports. A few months later TFS reported 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Payments were never late, and due to TFS payment processing error, payment were withdrawn from inaccurate account. We have TFS statements showing all payments being made timely, and one lump payment being made XX/XX/XXXX for previous TFS payment error. The TFS lease was paid in full in XX/XX/XXXX and account is now closed with late payments still be reported. We are kindly requesting that Toyota Financial Services remove all late payments from the account. We have TFS documents to support our claim.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-27
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

There is currently a fraud alert on my credit file which I did not authorize. I disputed inquiries and then a fraud alert was placed on my credit file without removing the inquiries I disputed.

I would like the fraud alert removed as I was told would happen two weeks ago along with inquiries I disputed.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2021-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am having the hardest time trying to deal with Equifax. I have been in contact with them since XX/XX/2020. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 

1. XXXX XXXX XXXX 2. DP OF EDUC 3. XXXX 4. XXXX XXXX XXXX 5. XXXX
Consumer complaint received 2021-06-02
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)

My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for XXXX XXXX mortgage but this information is inaccurate. I disputed the reporting with Transunion in addition to XXXX XXXX  I provided a copy of my 2018 bank statement to both XXXX XXXX and Transunion. I received a document from Transunion stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. XXXX XXXX sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to XXXX XXXX  through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both Transunion and XXXX XXXX claim. My bank statements reflect a transaction number for both payments in which XXXX can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, XXXX XXXX  dispute letter is my XX/XX/2018 bank statement from XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

There is inaccurate information on my credit and I returned all their equipment and sent my watch and phone back to them and they have yet refunded me! When I inquired about my refund this is when they turned the table around! I have called, sent over XXXX emails and nothing has been done! Now they reported me on my credit report! XXXX has ruined my credit and possibly my JOB. 
I am requesting that the account in questions to be deleted from all my credit reports immediately. I have sent multiple requests and validation letters to the company. They have failed to respond. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I have requested my mortgage company Shellpoint Mortgage Company to update my credit report to show accurate and fair reporting on XX/XX/2022. I sent in a copy of my credit report showing inaccuracies based on my spouses deployment status during the time of reporting along with a detailed description of request. I was told that information was missing in order for them to complete their updates. I notified mortgage company that the information had been faxed. After several phone calls and complaints, I was told that the information I faxed was uploaded to the wrong file which prolonged the process even more. I called several times after to inquire about updates and was told that I would get a call that would provide me with an update. I then re-uploaded the same information to my online portal in XXXX and called to verify receipt. XXXX was verified to have been received a second time and I am still unable to have this investigated properly and reported accurately due to the mortgage companys failure to do things in a timely manner.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was at Khols store last Thursday XX/XX/2021, I was doing shopping & when I finished & went to the cashier ..The lady asked me to get a credit card for more discount I assured with her that this credit card is gon na be with a soft inquiry not a hard one. 
The lady confirmed that its gon na be a soft inquiry 3 times Unfortunately I found out that this store made a hard inquiry & the lady made fun of me & she kid me I contacted Khols & all what they said they apologised & said they have nothing to do.., In addition I contacted XXXX as a bureau, they asked me to call Khols again I did & received the same apology as before .. 

So please Im in a tight situation as Khols reduced my credit score down & this inquiry is gon na be on my credit report for 2 more years.., Please I want to remove this hard inquiry which I was deceived by. Even if you are gon na close this Khols card completely I don t want it. 

I have the receipt from the store with the date & the time. 
They can also check the cameras at the store to see my discussion with the lady at the cashier when she confirmed that its gon na be a soft inquiry My name is XXXX XXXX My phone is XXXX