davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/2018 I sent a dispute to Equifax regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Equifax, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, XXXX   still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Consumer complaint received 2023-08-21
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. (IN)

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and request that the Credit Bureaus remove the fraudulent and unauthorized inquiries from my Credit File. On XX/XX/XXXX, I sent a dispute letter to the Equifax and XXXX Credit Bureaus requesting that they remove the disputed inquiries completely from my Credit File. I fear that the Credit Reporting Agencies were not able to receive the dispute letter I sent, so I am attaching these dispute letters on this complaint. Once again, I need the Equifax and XXXX Credit Bureaus to remove the following inquiries completely from my Credit File as as soon as possible : 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. These Inquiries were never authorized by me nor anyone on my behalf so please have these inquiries removed as soon as possible.
Consumer complaint received 2023-05-10
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: Resurgent Capital Services L.P. (NY)

LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2023-12-21
Product: Credit reporting 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. (TX)

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 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 please delete all other addresses on my report besides XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

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 2024-03-20
Product: Credit reporting 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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2018-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2018 I sent a dispute to Experian regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Experian, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (TN)

XXXX, XXXX and I.Q. Data International has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of XXXX and XXXX reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-31
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. (NY)

I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
XXXX XXXX XXXXXXXX With TransUnion, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX and XXXX XXXX XXXXXXXX Transunion, XXXX and XXXX
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

My credit card score was close to XXXX and I pay all of my bills on time and have had a 100 % payment history for years. PayPal Credit has a rating of XXXXXXXX XXXX the consumer affairs websiteXXXX XXXX XXXX XXXX  I purchased a product from the XXXX website with PayPal Credit XXXX It never came to my address, but it showed delivered on their end through XXXX. I never received the jacket that I had purchased or a refund. 
I have tried several times to correct this issue opening several cases and contacting XXXX, PayPal Credit, and Synchrony Bank. XXXX never responded to the last messages, and PayPal Credit reimbursed the account for the charge then added the charge back to the account. When asked why, they said over the phone that they readded the charge ( {$280.00} ) because the dispute was for a mischarge rather than an item not received. I handled the mischarge with XXXX without an issue, so I am not sure how that was mishandled. I was reassured by PayPal Credit that I would receive a refund to my account. 
I requested PayPal Credit to lower the credit limit on my account while the issue is still open, as they have been charging me interest on an item that I never received. I asked them to lower the limit to {$300.00}. They lowered it to {$3000.00}. My credit score is now XXXX. My first card I opened had a credit limit of {$750.00} when my credit limit was that low. I would like a refund and the interest taken off of my account, which I owe a - {$60.00} balance on. I had financed some gold rings as an investment that I had purchased on XXXX and had overpaid for the charges. My credit is being extorted and interest is piling up for an item that I never received, and I need to get in contact with a member of congress to help myself and others that are being victimized by PayPal Credit. I have not done business with Paypal, Paypal Credit, or XXXX XXXX and only shop online from vendors I trust and have had several XXXX  cameras installed since this incident has taken place.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I cancelled my secured Diamond Citibank Mastercard account on XX/XX/XXXXXXXX I now have 3 seperate and unsecured credit cards with limits totalling {$12000.00} and I no longer need a secured card with a credit limit and security deposit of {$400.00}. When I called, I initially inquired about converting this secured account to an unsecured account and asked for a refund of my security deposit. I have always paid my full balance in full every month since having the account. They seemed to have no interest in doing so in spite of the fact that my credit scores were XXXX, XXXX, and XXXX at that time. With that in mind, I paid the open balance of {$16.00} and was told they would credit back the annual card fee that they had only recently added to my account. I told them to just cancell the card and send my deposit refund. They told me the deposit would be sent within 21 days. 

I received a letter from Citibank about a week later dated XX/XX/XXXXXXXX XXXX This letter stated that my Collateral Holding Account ( CHA ) would be closed in 21 days in case of any pending transactions on my account. 

Their letter also told me to call them to request a refund of any credit balance on my credit card account at XXXX, so today I called. Well, that number is NO GOOD. It is strictly a phone number used to solicit additional business for them. I obtained a different phone number of XXXX and called them. I was told initially it could take up to 100 days to refund my deposit if there was still a balance on my account, which there is NOT. I was not satisfied with this answer, so at my insistance I asked for and spoke with Supervisor, XXXX, who told me the CHA has a maturity date of XX/XX/XXXX and that my security deposit won't be refunded until then! I told her this does not sound ethical or LEGAL. There is NO REASON for Citibank to hold onto my money for another 5+ months! As it is, Citibank has had my deposit for more than 2 years already and does not even pay a XXXX 's interest on this deposit! This simply isn't right. 

She refused to do anything more about it and ultimately transferred me back into their automated attendant system where she knew it would take for ever to be able to speak with someone again.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

The Children 's Place Credit card and Comenity Bank is violating my rights ( 15 usc 6802 a, b ) by checking my credit report on several occasions and decreasing my credit limit which cause late payments and interest fees on my account. They never sent out any adverse action letters to me to explain why they decreased my credit. They are currently reporting me as late to the credit bureau trying to make a hard inquiry on my credit report for an increase. I do not have access to my transaction history of my whole account and when I called to request the detailed history and my credit card number and the customer service rep XXXX # XXXX XXXX  XXXX XXXX told me I had to request it in writing. Why would I need to send a letter for my whole transaction history when I verified who I was and spoke with them regarding my account just to tell me I have to write a letter. They are refusing to give my credit card number over the phone to submit complaint. They didn't write a letter to me when they checked my credit several times without my knowledge. They refused to send me a new expedited card in mail after reporting it stolen. Also the dates the credit was decreased does not reflect the dates they removed the credit from me on my statements. They are defrauding people decreasing credit just to do a hard inquiry to give the credit back when they ask for an increase. I would not have to get another hard inquiry for an increase if they never took it away in the first place.
Consumer complaint received 2023-08-18
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-17
Product: Credit reporting 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. (NC)

I sent out dispute letters to each Bureau XXXX, Equifax, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, Equifax, XXXX and also The FTC report regarding the unauthorized inquires.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

On XX/XX/2018 I sent a certified mail letter with return receipt to the collection agency Wakefield & Associates to validate the alleged debt that were on my file. The account are as followed : Account : XXXX  The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Wakefield & Associates currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Wakefield & Associates validating this alleged debt. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate this alleged debt. If this collection is not deleted I might sue for violation of the FDCPA.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/24 I went to make a {$300.00} cash deposit via the ATM. My cash was spit back out and the machine told me " transaction failed ''. I then walked over to the teller and asked him to deposit and also let me know why my atm deposit was failing. He made the deposit for me, but also informed me that is was because my debit card was frozen. He could not tell me why and said i would need to call fraud. I did that. Verified some transactions and then he unfroze the card. I then bought gas and lunch with the debit and all was fine. Later I went to make an online purchase and it was declined. I again called fraud and this time they told me my acct was under review and frozen for now. Unable to give me any reasons why. I went into the branch to try and get answers and withdrawal my money but was told it was all frozen and I could not have access to my own money. The only additional info they were able to provide was that the bank has terminated their relationship with me and I would need to wait 3-5 business days for a letter explaining why. all the while not having access to my own money. I finally received the letter about a week later telling me my account has been closed they would mail a check on XXXX for the remaining balance and if I had any further questions to go into the branch. the letter again, did not give any reason as to why this was happening. I, again went into the branch for explanation as the letter said and was again given no reason and just told sometimes they do this and do not give a reason. I can not believe this is the way they do not business. let alone even legal. I was unable to make any deposits, had to cancel my direct deposit and was unable to pay bills I had due. Not only were my fund abruptly frozen but i was not given a reason. i can not believe this is how things are done.