davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
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: AMERICAN EXPRESS COMPANY (TX)

Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, tx XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX card XXXX XXXX  XXXX XXXX , de XXXX RE : Unauthorized Credit Inquiry Dear XXXX cards, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Amex XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (GA)

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX   XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX., XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-04-26
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. (VA)

Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX.XXXX/XXXX   XXXX . XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   AND 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 I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.XXXX  XXXX XXXX XXXX  XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX & XXXX, XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CIR, Law Offices (CA)

Cir. Law Offices International engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

In XX/XX/XXXX opened credit card ac. w/ Home Depot ( XXXX XXXX ) Store in XXXX . PA. 
I arranged for payment through my electronic bill payer with XXXX XXXX XXXX. 
On or about XX/XX/XXXX received 1st billing statement. Due date XX/XX/XXXX Bank records show payment was made in amount of {$5.00} on XX/XX/XXXX XX/XX/XXXX received late payment notice with fees assessed. 
XX/XX/XXXX Sent ltr. to Home Depot Credit Card Serv. with copy of negotiated bank check by Home Depot. Ltr. sent after several call to the Credit Department. 
Began receiving delinquent notice telephone calls from collections agents ( several ) daily. 
XX/XX/XXXX Received ltr. from H-D Credit Services acknowledging receipt of my payment and that payment should have been credited previously and that it would be immediately credited to account. 
01 thru present continue to receive late notices with {$2.00} charge each month. 
Negative entries have been sent to credit reporting agencies affecting credit score Credit Score of over 800 was down to XXXX as of XX/XX/XXXX. 
No other negative activity has occurred with any other creditor.
Consumer complaint received 2019-04-26
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. (GA)

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX XXXX.XXXX/XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX!., XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2019-04-25
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. (CA)

two XXXX XXXX XXXX accounts are reporting under my name on XXXX and equifax credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX  and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

I have been asking this company to remove this negative item from my report with no luck, they claimed to have an address other than my address on file. I have provided proof via fax- mail and CFPB please help me to have this removed.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis (NY)

XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My wife and I are XXXX and XXXX, and our only source of income is {$3500.00} a month in Social Security.  We both receive our SS on the third Wednesday of each month which means we receive it on the XXXX at the earliest or the XXXX at the latest. We receive SS on a Federal Debit card and we have to go to the bank to transfer money to our checking account before we can write a check for our mortgage. NewRez appears to start charging a late fee of 5 % on the XXXX of the month. I think this is exorbitant but I can not change when I receive Social Security so I will end up paying an additional 5 % on my mortgage payments over a years time. In just two months with them they say they credited {$81.00} to penalty on my XX/XX/XXXX payment ( an overpayment which should have been credited to my principle ) and charged me {$34.00} late payment on my XX/XX/XXXX payment. What I am seeking is a waiver of any late penalty unless its received after the first of the following month. I pay my mortgage payment every month and have not defaulted in the last five years.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Nelnet updating a closed account. Nelnet
just changed the balance on an account that has been closed since XX/XX/2003. 

This account has past the statue of limitation and needs to be deleted. 
How can I be 120 days late when the account never had a 30 day late. 
How can the account have a XXXX   balance and a High balance of XXXX This is a clear violation of my rights. Please see attachment.
Consumer complaint received 2019-09-22
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: Consumer Portfolio Services, Inc. (TX)

Inquiry date- XX/XX/XXXX XXXX XXXX cbna PO Box XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Consumer portfolio svc XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear consumer portfolio svc, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX XXXX XXXX RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit 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. (NM)

I have a HOME DEPOT Card issued by Citibank. 
I have never used the card. There was a charge on the card in XXXX, or XXXX of 2019. When I received notice there was a balance on the card I contacted the Citibank and reported the card stolen, and disputed the transaction. This was more than 6 weeks ago. Since then I have called in on multiple occasions and keep being told that this issue is being worked on but could take 90 days. 
They are still charging me interest and applying late fees to the charge. Each time I call in I get transferred to multiple people. No one seems to be able to resolve the issue. I just spend hours of my time while they request my information and have me verify and verify and verify. Transfer from person to person with no resolution.
Consumer complaint received 2019-09-22
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: CITIBANK, N.A. (TX)

Inquiry date- XX/XX/XXXX Citi cards cbna PO Box XXXX XXXX XXXX XXXX sd XXXX XXXX : Unauthorized Credit Inquiry Dear Citi cards, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Consumer portfolio svc XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear consumer portfolio svc, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX XXXX XXXX RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

To Whom it may concern : Recently I inquired about my credit report through the credit reporting agency Experian.com I noticed some addresses on my report that were wrong. Through the website 's dispute system I have submitted an allegation for each dispute. I was provided with reference/report numbers for each allegation.

I am contacting the consumer finance bureau in order to make sure my these complaints are resolved, for me, by the credit reporting agency in a timely manner, and through by its notice resolution is provided to me without me having to look for it ; by means of US mail / E-mail or through the Consumer Finance Protection Bureau. 

Experian.com provided me these reference # 's as a receipt of my disputes a I had reported them. I was provided the following : Address id : XXXX Report # : XXXX Address id : XXXX Report # XXXX
Consumer complaint received 2024-03-04
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)

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( XXXX, TransUnion, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on TransUnion website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.
Consumer complaint received 2019-09-22
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: EQUIFAX, INC. (ND)

I been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, XXXX and death from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Consumer complaint received 2019-09-19
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. (PA)

These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (VA)

I was a student at XXXX XXXX University ( XXXX ) while I was stationed at XXXX XXXX, Maryland in XXXX. I was using the XXXX Tuition Assistance ( TA ) program at the time to pay for my classes. During my first semester, I received a Failure for Incomplete ( FI ), because I participated in mandatory XXXX training and was unable to take the final exams. Because of this failure, the XXXX recouped the TA money it spent on my courses. The money was taken out of my pay over a 12-month period, ending in XXXX. 

Since XXXX, XXXX has been attempting to collect the debt, totaling {$2200.00}. Every year, I get a collection notice, and every year I refute their collection attempt with actual documentation from the XXXX Education system, showing that the money was recouped by the XXXX. Upon sending them this information, I do not hear anything back regarding any changes in my account. 

However, every tax season, I receive another notification of an attempt to collect. The company attempting to collect on behalf of XXXX this year is : Synergetic Communications, Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX They are the same company that tried to collect in XXXX and XXXX. Ive sent the documentation showing that I paid the debt in full to both XXXX and Synergetic. Neither entity acknowledges the information Ive provided, yet they continue to harass me for repayment. I should NOT have to repay them if the money was already taken from my XXXX XXXX pay between XXXX.