davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and Experian. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). Experian has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX and several social media outlets.
Consumer complaint received 2022-06-14
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name 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 2022-07-22
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. (AL)

There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and XXXX. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

BASED ON AGE OF ACCOUNT BY XXXX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX : XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Claimed chapter XXXX bankruptcy in XXXX of 2014 it has been discharged and still says open on report, also still on report doesnt chapter XXXX fall off after 5 years. I know a chapter XXXX takes 7-10 years to fall off.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th Complaint that I was the victim of identity theft. I called TransUnion and XXXX after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX 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 on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX XXXX my account was in the negative XXXXI called to try to resolve the issue of constant over draft fees explained by time my stimulus hits I will have less than half.I was told nothing they can do. 
My stimulus hit on XX/XX/XXXX after the negative I was left with XXXX. It is what it is. No problem On XX/XX/XXXX I'm still at a positive of XXXX. 
I never noticed anything until I received an email on XX/XX/XXXX stating on the 30ththey will be taking XXXX out of my account. 
I called to see what this is today XXXX they tell me its EIP. I wasnt aware of this when I called before none mentioned this when my stimulus hit they didnt apply this EIP. Come to find out they gave it to my acct on XXXX. I never noticed because I was at a positive. Now why didn't they help me before the stimulus so I got entire amount so over drawn fees would stop like I requested? Why wasn't I informed? Now they are going to put me in negative XXXX iget my XXXX on the 3ed by that time I'm lucky after fees I get XXXX to live on for the month of XXXX. I live on my XXXX that's it .I 'm confused, stressed out wont be able to pay bills food in XXXX because of this mess up the bank did.please help me
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TX)

I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.
Consumer complaint received 2020-09-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

My issue is not addressed so I just chose one at random. I want to know WHY these bureaus are allowed to manipulate our credit and destroy us with no accountability? 
I have screenshots of where they lowered my score and there is no excuse for this. 
I have an identity theft a few years ago and it nearly destroyed me. I have just recently completely paid off all of the derogatory credit and paid all collections. I paid all credit cards down to a bare minimum balance and some to zero. Also, the bureaus are VERY careless about attaching negative items and such to reports without verifying that they have the right person. I have addresses reported in states that I have never even visited, as well as addresses of relatives and acquaintances that show as mine. 
The only thing left hurting me is a 2015 bankruptcy ( which was result of the identity theft ) and I have student loans from law school that will never in my lifetime be paid. 
I believe that I should have a hardship discharge from all these student loans since I was lied to by the school. and since I am XXXX years old and can no longer work because of health problems. 
However, that aside, these bureaus are destroying us because we have to pay so much more for car insurance, home insurance. It will keep us from getting housing if we need to rent, as well as so many more discriminations because of poor credit. A lot of people have poor credit through no fault of their own. This is unacceptable and it needs to be stopped.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I ordered two items from XXXX that were when received the wrong items. I quickly got with XXXX to send the items back and process my refund. I have been dealing with this since the middle of XXXX. XXXX has sent me in circles which led to me informing my bank. Now after several attempts XXXX has now refused to refund me due to the bank " stepping in '' they have tried multiple times to do so but claim they are unable due to the bank having a dispute. I have called my bank daily trying to get a resolve to this. I have even complained to the XXXX which led to an XXXX emailing me stating how this isn't normal practice and they are very sorry they will look into this. that was 2 months ago. They have not updated the claim since XX/XX/XXXX. Meanwhile I have been on the phone with XXXX providing them with all the details. delivery confirmation. and official emails that XXXX has now refused to refund me because they say the bank has blocked their ability to refund to me. My bank has claimed that this adjuster on the XXXX of XXXX attempted to call me. She has not she is a liar. there is no way that you would only attempt one call in 2 half months. this is insane. I have done their job for them and they are still not giving me my money back. I have a standing eviction notice. I have been dealing with Identity theft since XXXX and this bank has made it that much worse. They have refused disputes prior that were linked to police reports. Its insane to me that all this documentation does nothing. Every time I call this bank I speak to the most clueless people. Its always a i dont know. how do they have no clue of the process they created? How is it I have provided in document every piece of information needed to resolve this and I am still daily having to call to get my money back. They owe me close to {$2500.00} everytime I call i sit on the phone for hours to be told nothing they never have any information they actually told me today it could be another 90 days. FOR WHAT REASON!! WHAT IS THERE TO INVESTIGATE? THE COMPANY ALREADY ADMITTED FAULT AND TRIED TO RESOLVE!
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Milestone On XXXX applied for The milestone Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-02
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. (CA)

Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. ( List Fraudulent Inquiries ) : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-05-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (NV)

In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX  Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX  cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.

we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX  i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from me.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

today i logged into my credit file to see KOHLS/CAPONE is reporting a debt of {$420.00} to credit reporting bureaus, i have never done business, signed any contract or documents with KOHLS/CAPONE or anyone they are collecting for, I do not wish to contract or do business with KOHLS/CAPONE.