davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-17
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)

XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
Consumer complaint received 2023-02-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Good afternoon, I contacted the IRS about a debt regarding a tax preparers error in XXXX or at most 2 years prior. There was placement of a student loan on my filed taxes from XXXX. I disputed it with an IRS agent already and it was placed back onto Experian without my permission. According to the UDAAP, this negative report has ruined/ caused delay in building my credit and caused injury to me, the consumer, and my credit history. I want the debts removed/ deleted from my report and I would like to be compensated {$1000.00} for each month that it was reported to collections from the year XXXX to now. Negative reports like these are the equivalent of redlining when consumers are attempting to purchase real properties. The current balances of this false debt are {$2500.00} and {$1700.00}. Both are from " U S DEPT OF ED/GSL/ATL ''. These balances have been re-opened in XXXX, causing even more injury to me, the consumer. 
Please use this report as a means to have them VERIFY/ VALIDATE the debt. I reserve my rights under UCC 1-308 and I need to see a SIGNED INVOICE of this debt and a contract between myself and the IRS / U S DEPT OF EDXXXX XXXX This occurrence is a form of identity theft! These reports can be found on EXPERIAN. Thank you. 

15 U.S. Code 1611 16 CFR 433.2 I originally sent a complaint about this issue on 2/6/2023. It is well passed the required 4 business days allowed to respond to this complaint. 15 U.S. Code 1681c2
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize the following inquiries on my credit report. They do not belong to me & this I a violation of my rights. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-17
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. (FL)

XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
Consumer complaint received 2023-06-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
Consumer complaint received 2024-03-25
Product: Credit reporting 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-02-25
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. (AL)

I dispute hard inquiries this company refuses to delete these items..and credit collection saying I owe to bills I never got insurance with them I want these to be removed I need the original sign documents from these companies that say I owe
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (MO)

I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  XXXX   XXXX   XXXX
Consumer complaint received 2022-11-27
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)

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidntiality under 15 USC 1681 Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 have reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-25
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. (NY)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an email from Capital One that they would be closing my account due to inactivity. I am temporarily laid off from work due to COVID-19 and I can not accept that this is necessary for them to do at this time. It has been a while since I have used this credit card but I'm currently not in a good financial position to start any new payments. It affects my credit score and standing if an account is closed and they would not consider allowing me to keep the ac count open. In the past I have had car loans with Capital One and I do have another card with them that I am afraid that they will close that card account also. This could have a domino effect on my credit score and credit standing. I am nearing retirement age and am a renter. My credit score is my only lifeline since I do not own a home or have savings or assets of significant value. 
This is devastating to my financial predicament and Capital One seemed to not be willing to move on this decision. I do remember back in XXXX during the financial crisis another bank closed a credit card account that I had a significant balance outstanding and the Office of the Comptroller of Currency heard my complaint and was able to  persuade that bank to reopen that credit card account. That account is still open today. I do appreciate my rights being protected. I feel we are in quite a similar situation here where big banks are closing accounts for no reason other than perceived inactivity. I would have used the card and provided some activity if Capital One would have requested that under warning of account closure. I have had other credit card companies issue closure warnings, so I simply make a few gas and grocery purchases to satisfy their requirement for activity and to keep my account open and in good standing. This is crucial to my credit score and standing to keep my accounts open and in good standing. I truly need Capital One to reverse their decision about closing my account. Here is a copy of the Capital One email : Re : Your account ending in XXXX XXXX XXXX XXXX, Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. We want to remind you that this account has a rewards balance of XXXX miles, and you have until XX/XX/XXXX, to redeem your rewards before the account closes. Youll be unable to redeem rewards after that date. Heres how you can review your redemption options and redeem your rewards : Sign in to your ac count at capitalone.com. Access your account using the Capital One Mobile app. For your security, we recommend you destroy all cards associated with this account and notify any other account users. If you need to call us, you c an reach us at XXXX. Please be aware that wait times may be longer than usual.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

My calendar didnt send a reminder, so my payment was late ( it has been paid now ). 

They called yesterday ( XX/XX/XXXX ) from number XXXX at the following times : XXXX XXXX XXXX XXXX They called today ( XX/XX/XXXX ) from number XXXX ( and a blocked number 2 times in between at the following times : XXXX XXXX XXXX XXXX ( blocked ID ) XXXX XXXX ( blocked ID ) XXXX This is harassment. Is there a contact for a lawyer also?
Consumer complaint received 2021-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This complaint serves as a formal notice/request and follow up to fax sent on XXXX to your office to remove past due amounts/fees charged to our account Our account had mis-applied monthly payments by both XXXX XXXX XXXX and Specialized Loan Servicing which were resolved in XX/XX/2021. XXXX XXXX XXXX communicated the corrections and your letter dated XXXX stated the resolution as of XX/XX/2021 to waive all errors arising from the mis-application. However, our current monthly statement as of XX/XX/2021 continues to show an invalid past due amount due amount of XXXX. Our account is current and all monthly payments were made on time. 

Attached is a copy of your resolution letter dated XXXX and statements from XX/XX/2021 to XX/XX/2021 showing the invalid past due balance. Please make the necessary corrections. Thank you.
Consumer complaint received 2022-11-27
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. (IL)

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

15 USC 1681 section 602 A states I have the right to privacy. 

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, XXXX said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CA)

On XX/XX/XXXX I opened a savings account with Upgrade.com that uses the XXXX XXXX XXXX XXXX 

Within Upgrade you can instantly connect to XXXXXXXX XXXX and from XXXX I deposited {$260000.00} into Upgrade. 

On XXXX I tried to transfer out {$100000.00} to XXXX and it said there was a limit. When I called Upgrade they said the withdraw limit was {$5000.00}. No where did I see such a limit before depositing or it wasn't prominently displayed.

The Upgrade representative told me I can pull from XXXX up to {$100000.00} per day if I connect from that side. 

So I decided to connect from XXXX side on the XXXX and XXXX deposited XXXX micro deposits into Upgrade. The funds would show up into Upgrade and I would verify it and the connection was established. BUT when XXXX tried to pull back the microdeposits XXXX XXXX said that Upgrade refused to send back the money which totaled only {$0.00}. 

So I tried XXXX more times on XXXX and XX/XX/XXXX and both times the money would go into Upgrade and verified but Upgrade refused to let XXXX take the money back. 

It seems like Upgrade has a deceptive practice of taking peoples money and refusing to return it easily. I needed the money for an investment yielding 12.5 % which is {$90.00} a day based on my balance.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received an email from XXXX on XX/XX/XXXX at XXXX XXXX  stating that my " online application was in progress ''. Less than 1 minute later, I got a second email from the same address saying that my application for a Bank of America XXXX XXXX XXXX  Account was approved. Both of these emails passed XXXX, XXXX, and XXXX indicating that they originated from official BoA addresses. I am a former BoA customer but have not had any accounts with them for years. I went though the process to reset my password using the partial account number provided in the second email and was able to successfully log in and validate that it was a real account with BoA. 

Additionally, a second phone number was added to the account without triggering any email or notification to me. I've confirmed in the Security Center that the only recent logins to the account are mine from investigating this which would seem to rule out any online account takeover / stolen passwords.