davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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)

I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX  # XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (TN)

On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread XXXX in order to benefit from their high APY of about 1 %. On XXXX of XX/XX/2022 my Comenity Direct was restricted. I called their customer service on the XXXX of XXXX and i was transferred to the Account XXXX XXXX and i was told to wait to hear from them. I have been calling every 2 weeks for the past 2 months and all they keep telling me is to wait for the back office and they don't know how long it would take. I am a XXXX XXXX XXXX woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past 2 months from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.
Consumer complaint received 2020-12-18
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: PNC Bank N.A. (FL)

I recently received a copy of my XXXX, XXXX, and XXXX  report. The credit report showed credit inquiries by a few companies that I do not recall authorizing. I understand that companies shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please remove all inquire from each credit bureau that is being reported on my credit file.
Consumer complaint received 2022-05-13
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-05-13
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)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-12-18
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting incorrectly late payments on the XXXX   XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX  partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

exparian is demanding i pay a fee before allowing me to review my credit report, and to view any disputes i have opened with them on both my wife and i 's credit report which is full of invalid or fraudulent information and charges, they have also made it to where you cant cut and paste anything proving wrong doing against them on there web sit
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc. (GA)

Sofi Lending has opened a personal loan in my name to someone who is not me. I have sent them notification that I am a victim of Identity theft and to removed the unauthorize account from the credit agencies. I have provided them with a copy of my driver 's license, proof of residency, a report I filed with the FTC and a copy of the police report. They have refused to remove the item from the credit departments. I have supplied them also with an affidavit signed by me that this is not my account.
Consumer complaint received 2021-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

The company XXXX XXXX or XXXX XXXX is extremely predatory. They put my loans into multiple websites that require different logins. This is unacceptable behavior that prohibits proper tracking of payments and effects peoples ability to properly pay untime and effect their scores.
Consumer complaint received 2020-12-18
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: FORD MOTOR CREDIT CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I had an auto loan with Bank of America ( account XXXX ) and the loan was closed at the end of XXXX. I traded the vehicle in on XX/XX/21 and the dealer completed the closing of the loan with the bank. Despite the loan being closed, the bank refuses to refund the overpayment on the account and drafted an additional payment after the loan was closed. All attempts to reach a representative at Bank of America have resulted in being transferred by phone numerous times before being disconnected. I just want my money back and it has become apparent that Bank of America does not want to provide this refund for this overpayment.
Consumer complaint received 2019-04-26
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: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly late payments on the XXXX/XXXX XXXX   partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX/XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, Equifax and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2016-01-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Financial (NY)

I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST HORIZON BANK (TN)

On the XXXX of XX/XX/2020 at about XXXX EST I made a zelle online money transfer of {$1500.00} transaction using my XXXX XXXX mobile banking App. The transaction was cancelled and my checking account was debited of {$1500.00} by XXXX and First Horizon Bank. I was given a transaction ID of XXXX for this transaction, the beneficiary account never received this fund and it showed that it was cancelled on the mobile banking app. I contacted the bank the next day and I was asked to open a XXXX dispute which I did right there in the bank and also called First Horizon Online banking services. They told me it will be resolved in 3 to 10 business days and my money will be refunded back to my checking account. Its been more than 10 business days since this transaction happened, I have contacted the bank twice since then and they told me they can not do anything about my money until XXXX refunds the money. They keep telling me to contact there online banking services and still no help in sight after contacting the online banking services of First Horizon bank. I contacted XXXX and they told me to go back to my bank as I did not carry out the transaction with a zelle app. First Horizon Bank still has not been able to do anything regarding this transaction after contacting them numerous times.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I 've been fighting with Experian for a few months now. I bought a car back in XXXX - I was able to have my credit report pulled just fine then, but after getting the car I started having issues. I applied for a mortgage shortly after and the bank was n't able to pull my Experian credit report, but they were able to pull my wife 's report just fine. I called Experian and they were certain it was on the bank 's end ( even though they pulled my wife 's report ), because everything was fine on my account from what they could see. They confirmed I have no blocks or freezes in place. The house sold before we could make an offer due to Experian not helping find a solution to the issue. A couple of months later we tried again with a different house and had the same results - this time with a completely different lender. I called Experian back and got the same story - they did n't see any issues on their end and I had no blocks/freezes in place. I even spoke with someone in special handling this time. They could see my report just fine and said nothing was blocking it on their end - it must be the bank. Again, this was a different bank and they could also pull my wife 's experian report. Also, the lender 's were able to pull my XXXX and XXXX reports just fine. 

I subscribe to XXXX monitoring alerts and have n't received any changes/alerts from Experian since XXXX/XXXX/16 ( when i purchased my new car ). I should have received at least a few from new credit cards, new student loans, and credit inquiries. I have been unable to view my report online through the adverse action portal or through the online dispute portal with Experian also. I enter my information correctly and get an error screen that I have to fill out a form and mail in my information since they were n't able to find me in the system. I also tried to purchase my FICO score through XXXX - they were able to pull my XXXX and XXXX scores, but could n't return a result for Experian. Nobody can pull my report, including myself. 

I called one more time just a couple of weeks ago and again, they told me no issues on their end. There was a temporary fraud alert on my account, and I had them remove it ( hoping this would cure the issue ). 
I waited a couple of weeks after the fraud alert was removed and I applied for a XXXX XXXX credit card. I was declined due to not being able to access my Experian report. They pulled XXXX and XXXX without issue, but use all three when making their decision. 

I 'm out of ideas and they refuse to help. Something is OBVIOUSLY wrong with my account/file on their end and it is preventing anyone from pulling my report/score .... this is preventing me from getting a mortgage or any line of credit that uses Experian in their decisions. Can you guys please help???
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

Since at least XX/XX/2022, the XXXX XXXX Credit Card which is a Comenity Bank ( Bread Financial ) website is not available. They claimed to be doing a subsystem update that has taken longer than usual. It has been XXXX weeks now. I can not see my account statement or transactions online. There is no access to the website but the bank says they can still take payments. 

A XXXX week system update with a complete system blackout to consumers is unacceptable. It took me over XXXX min to get to customer service today and they are saying the same thing theyre said XXXX weeks ago, the system is coming up piecemeal they do not have a definitive date when customers will be able to access their accounts. 

This should be investigated.