davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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: Avant Holding Company, Inc. (NV)

I submitted an application though XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report the inquiry appears as hard inquiry in which I didn't authorize on XX/XX/2022
Consumer complaint received 2022-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted XXXX. My next step is to get a police report.
Consumer complaint received 2022-06-13
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: Prosper Marketplace, Inc. (NV)

I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
Consumer complaint received 2022-06-13
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: CLGF Holdco 1, LLC (NV)

I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
Consumer complaint received 2022-06-13
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account name 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 2018-04-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I was contacted by Portfolio Recovery Associates for a debt that was included in a Bankruptcy. They told me that if I was able to pay a reduced amount that it would not be held in collections or need to be included in the bankruptcy filing. I paid the amount ( without having it verified ) requested by the Company, as they were pressuring for immediate payment on the phone or the account would not be settled. I had no time to ask for a letter in writing or any other form of proof. I paid the amount requested, and the account still shows as a collection on my XXXX and XXXX credit reports. 

This reminds me of a published report on PRA bad practices by the CFPB : " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' ( published on XX/XX/2015 ). 

I spoke to PRA and disputed the item several times, that now the Credit Reporting Agencies are telling me that I can not dispute this item again without additional information. 

I feel like I was manipulated and lied to, and now the CRAs are allowed to disregard my dispute on a technicality.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (TX)

On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.
Consumer complaint received 2020-06-04
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. (MO)

The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION (NV)

I was led to the Oportun credit card by a XXXX XXXX that is dedicated to educating people about new credit & lending opportunities ( XXXX XXXX XXXX XXXXXXXX ). Herein, I was seeking unsecured credit cards to build my score, credit mix, & profile in short order, and the Oportun card was described as offering a soft credit pull ( non-score impacting ) prior to full approval, so I decided to take a look at the Oportun site to see if this was true. 

Upon visiting the site, I did in fact confirm that Oportun does advertise a soft-pull pre-qualification, so I decided to enter my personal information into their online application form to see what the credit offer would be. Instead of providing a preliminary pre-qualification offer based upon a soft-pull of my credit, Oportun performed a formal hard-pull credit inquiry without my permission, knowledge, or consent. The Inquiry was also reported to all 3 credit bureaus & my credit score was negatively impacted. 

I immediately called Oportun to complain & to request that they remove the inquiries immediately. Still, I was met with difficulty, refusal, combativeness, & a generally stonewalling presentation by the various customer service reps that I'd spoken to. In addition to calling the credit bureaus directly ( wherein I was instructed to make the removal request directly to Oportun ), I've also called Oportun twice more on two separate occasions to rightfully demand the immediate removal of the hard inquiries reported to the bureaus, to no avail.

I still have not been informed if I was approved or denied a credit card, although the Oportun service representatives advertise & promise a 24-hour application determination.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

I had previously filed a CFPB Complaint No. XXXX, to which I have received NO RESPONSE from Citibank. 

In the interim, I received my XX/XX/XXXX Statement from Citibank that shows that on XX/XX/XXXX Citibank reversed the " provisional credit '' of {$930.00} that they had given me when I made the original dispute.

Even though the provisional credit was reversed on XX/XX/XXXX, Citibank waited an additional 17 days before sending me the Billing Resolution Dispute letter dated XX/XX/XXXX. I received and responded to their Billing Resolution Dispute letter on the same day, i.e., on XX/XX/XXXX, at which time I provided Citibank with DOCUMENTARY EVIDENCE, including the USPS Tracking record and Signature Receipt showing that the item was returned to, and accepted by, the " merchant ''.

Notwithstanding the fact that my email of XX/XX/XXXX to Citibank provided written proof that they improperly reversed the provisional credit, Citibank failed to reapply the credit prior to the closing date of my XX/XX/XXXX statement. Nevertheless, Citibank had no problem adding THIRTY-TWO charges to that Statement, ALL DATED AS OF XX/XX/XXXX, or thereafter.

Further, Citibank added a " Finance Charge '' of {$190.00} to my XX/XX/XXXX Statement, NOTWITHSTANDING THAT I PAY MY ACCOUNT, IN FULL, EACH MONTH, and notwithstanding that they failed to reapply the credit that I am owed. 

In view of the above, my XX/XX/XXXX Statement is OVERSTATED by {$1100.00}!!
Consumer complaint received 2022-06-13
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)

I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted
Consumer complaint received 2018-11-29
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: Experian Information Solutions Inc. (NC)

On XX/XX/2018 i discovered Experian re-inserted an old XXXX XXXX collection account that was removed and deleted from my credit file several months ago that couldn't be verified and that clearly did not belong to me. Experian is required to notify me with 5 days of reinserting a previously deleted item. I did not receive any such notification. Please Delete this immediately.
Consumer complaint received 2020-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

There is a KOHLS/CAPONE Inquiry on my credit report that I do not recognize, not to long ago I went to the Kohls store and the lady asked me if I had a kohls card, I said no so then she asked me for my identification and I didnt know why, it turns out that she applied for the card without my consent. I think that this shouldnt be allowed because she did this without consulting me first.
Consumer complaint received 2020-02-01
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have faced difficulties and obstacles as I approached the end of XXXX rehabilitation program. XXXX terminated my ability to pay online when only three payments remained. XXXX delayed and required impossible criteria to settle this debt. These practices promote financial hardship and prevent me from securing some of the benefits that are intended to ease the burden of financial difficulty. 

Fraud Civil Code 1572 ( 4 ), 1577 ( 1 ) XXXX altered the contract by changing the wording and dates without my knowledge. 

Defamation Fair Credit Reporting Act ( FCRA ) Accuracy of Report [ 15 U.S.C. 1681e ] ( b ),  Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ 15 U.S.C. 1681s-2 ] ( a ), 1 ( A ), ( B ) ( ii ), ( D ) XXXX XXXX XXXX XXXX XXXX XXXX, contracts with Navient, which XXXX is a subsidiary, is reporting false information to the consumer-reporting agencies, XXXX  and XXXX. This prevents my ability to improve my financial standing.
Consumer complaint received 2022-06-13
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 accounts, XXXX XXXX XXXX, XXXX BANK, XXXX XXXX BANK, and 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 2022-06-13
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: EQUIFAX, INC. (FL)

I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted
Consumer complaint received 2022-06-13
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. (FL)

I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 DDUpon 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 {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I have a {$15.00} collection on my credit report from XXXX XXXX   regarding XXXX XXXX XXXX, that is erroneous. I have contacted XXXX XXXX, XXXX XXXX, Equifax, XXXX  company. both XXXX XXXX  and XXXX say they show I owe them nothing. I can't get anyone to remove this.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting.
Consumer complaint received 2020-02-01
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. (NC)

iThe problem is with XXXX XXXX XXXX XXXX reporting false, misleading and inaccurate information. Reporting accounts as delinquent when they in fact received payments. My payments were due on the XXXX of each Month, late fee added if payment was not received by the XXXX of the following Month. Proof of payments received to follow XXXX XXXX continues to violate my rights according to the Fair Credit Reporting Act despite repeated request to correct the issue! 

Please note that late fees were subtracted on XXXX and XX/XX/XXXX because payments were in fact received as agreed yet XXXX  reported payment as 30,60 and 90 days past due. Reporting an account as delinquent implies that this creditor has not received a payment when you will see that they actually did Called to speak directly with a representative XXXX XXXX at XXXX XXXX at the Office of the President @ XXXX XXXX,  unable to communicate with him. Please be advised that this is the 2nd complaint to the CFPB, XXXX XXXX stated XXXX  did not receive a XXXX payment, they in fact did on XX/XX/XXXX ( within 30 day grace period ) After payment was applied on XX/XX/XXXX the balance of this account was {$450.00}. Could not send the entire amount therefore a payment of {$240.00} was sent with a final payment of {$210.00} on XX/XX/2019. Yet XXXX  reported this account as delinquent implying NO payment was made or received. 

The also reported " pays as agrees '' in XXXX  2019 then 60 days past due the following Month/ XXXX. XXXX to XXXX is 30 days! XXXX to XXXX was reported as 90 days past due when the account was actually PAID IN FULL on XX/XX/2019.
Consumer complaint received 2018-04-18
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. (AL)

I called XXXX and Equifax, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Transunion that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, Transunion and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.