davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (CA)

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 2022-05-31
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 XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When viewing my credit report through XXXX, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, Transunion, and XXXX.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I logged into my account today and notice there was a late charge on my account. I received an email from Capital One advising my payment had not been received - at this time I did n't know that Capital One had charged me a late fee. I called Bank of XXXX back in XX/XX/XXXX to inquiry why payment had not posted yet. The bank stated the credit card company rejected my payment and did not state why. After witnessing this late fee on my account, I contact Capital One to remove this fee. Capital One stated to me the fee will not be waive even though I have not had any late payments. I never call in and request anything from this Bank. I have received poor customer service. The bank does not care about their customers customers, no matter how loyal you are to the bank. I have been with this bank for years and I always have issues with the level of service. It has me serious thinking of closing out this card and going with another bank. It is not my fault the bank rejected my payment - it is on Capital One. Why am I being held accountable for their mistake. I called my bank and requested a letter explaining the reason for rejection. I was informed the letter can not be generate due to Capital One not giving a reason for this.
Consumer complaint received 2022-06-21
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. (NC)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

XXXX, XXXX, Transunion and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK (NC)

Discover Card in XXXX NC made an UNAUTHORIZED DEBIT from my checking account on XX/XX/19 for {$100.00}. The last time was was authorized 17 months prior to this debit. I stated at that time this was 1 time and 1 time only!!! If they ever did this again I would report them. {$79.00} in fees later. I need them to refund the {$100.00} plus the {$79.00} plus a pain in the XXXX fee {$50.00}. 

If I have to close this account like a friend had to { yes it was Discover } because of this fraud the fee goes up to {$250.00} and whatever penalties you slap them with. 

For whatever reason they think a check by phone is whenever they feel like it. I am on EBT and doing the best I can ifinancially. I told them after I shut down the credit cards I would pay them what I could to pay off the balance. I have not lied to them or run from. 
Trying to find affordable housing, a job, education oppertunities has been difficult enough with out takin time to run around and take care of going to the bank twice, going to a vendor twice, multiple calls ect. 
I did not need or want this XXXX. 
2nd submission got no response to the first one.
Consumer complaint received 2021-07-26
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: CITIBANK, N.A. (WA)

On XX/XX/2018 A secured credit card with CITI bank was Fraudulently opened by roommates who stole and compromised my personal information such as my social security card and personal documents to open fraudulent bank accounts and credit cards in a fraud scheme. I have attempted multiple avenues of approach to try to get this account removed from my credit report such as disputing with the credit bureaus and Citi bank multiple times, Filed a FTC identity theft affidavit and sent it to Citi, Filed a XXXX complaint, paid off the full Balance allegedly owed and then disputed again still no favorable results. Citi bank has responded saying the account was funded and payments were processed from a checking account in my name from XXXX bank so I will be held responsible for the debt, when I explained that the chase bank account was fraudulent as well. This credit card trade line has hindered me access to credit due to its erroneous reporting and I'm am beyond frustrated and Need help to get this fraudulent account removed from my credit report. Citi Has been very uncooperative and can't furnish any documentation such as my signature of any account agreements or driver 's license on file to prove that the account was not fraudulent.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

these are the accounts. 
XXXX XXXX. 
XXXX XXXX tab bank- XXXX. 
XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX us department of eduXXXX us department of eduXXXX us department of eduXXXX us department of eduXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERI Financial Services (CA)

XXXX reporting XXXX XXXX account XXXX original assign date was XX/XX/XXXX and was disputed in XX/XX/XXXX with XXXX  with no response from XXXX. XXXX has now changed their reference number and reported in XX/XX/XXXX without ever validating the debt. It was reported to XXXX and XXXX. Also XXXX is showing on both CRA reports conflicting dated and information that differs on both reports intent to re-age the debt.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (TX)

I have several unauthorized inquiries on my credit report that I did not authorize. The inquiries are fraudulent and we're performed without my authority. The inquiries are fraudulent from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I was away for a XXXX XXXX and came back to find out via email that Chase had reversed a temporary credit placed on my account. My drivers license was stolen on XX/XX/XXXX only for me to realize that someone had withdrawn {$2400.00} from my account via a third party website on XX/XX/XXXX. Chase reversed the temporary credit because the fraudster provided my ID ( still unsure how thats possible if Im not present ). The thing is, Chase always calls me and alerts me of transactions that take place over {$25.00} ( I have it set up via the alert center ) but I wasnt alerted this time around. This made me suspicious. Chase then reversed the funds due to the fraudster providing my stolen license electronically to the online company that they used which brought my account to a negative balance ( overdrawn ). Chase also told XXXX XXXX   that I filed a claim on 2 XXXX payments that came from my Chase bank account into my XXXX   XXXX XXXX account when in fact I had never filed a claim on them. I only filed a claim on the {$2400.00} payment that was fraudulently taken from my account via a third party. This new development caused XXXX XXXX to withhold {$2500.00} of my funds in my XXXX XXXX XXXX checking account. This is totally unfair as it has inconvenienced me a great deal, causing me to stop payments on my student loans, accrue interest, and has put a dent in my credit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.
Consumer complaint received 2019-04-29
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed One Main put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NV)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!