davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of
Consumer complaint received 2021-08-07
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (TX)

Great Lakes keeps adding balances and subtracting balances from my account. this is adversely affecting my credit score! Iam in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set current. As soon as i contacted Great Lakes my loan was put back in forbearance. Also, I want all loans older than 7yrs off my credit report, as that is more than the SOl for my state. I need this done ASAP, as Great Lakes is doing illegal collecting and reporting practices.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

I opened an account with Citibank for their priority checking bonus offer and deposited {$75000.00} on XX/XX/23 and was expecting {$1000.00} bonus but haven't received it despite holding for more than the required 60 days. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (TN)

I am unaware of any dealings with the original creditor of XXXX XXXX XXXX XXXX  XXXX or the current creditor of XXXX XXXX XXXX ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that XXXX XXXX XXXX provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.
Consumer complaint received 2019-10-30
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. (IL)

I don't recognize this accounts, i don't have any agreements for this companies with my signature. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION has failed to include the latest XXXX XXXX XXXX BANK account in my file as well as delete inquiries made by XXXX on XXXX/XXXX/XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX as " hard '' inquiries when they were to have been done as " soft '' ones. I did NOT authorize them being done this way and wish them deleted ASAP!
Consumer complaint received 2021-03-24
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX someone other than myself submitted a credit inquiry for CommenityBank/Victoria. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.
Consumer complaint received 2018-01-29
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)

On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I 've opened the account/card with the 0 % interest and no annual fee as long as I 'm serving on XXXX XXXX. Now I 'm told I 'll need to pay the {$1000.00} annual fee. This feels like a bait and switch. This will cost me transfer fees to get the balance moved and the card closed.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When We My Wife and I Applied for a home loan & Credit card this was reported XXXX XXXX XXXX Plus XXXX XXXX XXXX 39 Serious Delinquency 18 Number of Account Delinquency 13 times since Delinquency is too recent or unknown 14 Length of time account have been established 20 length of time derogatory public record or cllection is too short This was reported from all 3 credit account on Notice to home loan applicant by attached plus XXXX  was written off XXXX not XXXX  & should have been removed SOURCE : XXXX XXXX XXXX XXXX XXXX  TRANUNION I witness these account myself on dispute sight Now the companies are deniding credt information that was posted and given
Consumer complaint received 2021-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX, XXXX sent first letter out to XXXX  and TransUnion ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I opened a XXXX Credit Card in XXXX XXXX to purchase two items for my children. I paid the total amount in full on XXXX XXXX, XXXX of {$270.00}. In XXXX I received a statement for {$27.00}. I paid that amount in full on XXXX XXXX, XXXX and called the XXXX Customer number to make sure they closed my account. I informed them I had shredded the card and would no longer be using it and to please be sure to closeout the account. 

In XXXX of XXXX, after receiving several suspected debt collection calls, I ran my credit. Sure enough, balance owed to XXXX. I disputed it on XXXX and on XXXX XXXX received the results which came back with a status of, " updated. '' After disputing the amount with XXXX I finally received a statement from XXXX showing a balance owed of {$91.00} ( this has now gone up to {$120.00} ). These are the first statements I have received from XXXX since the {$27.00} statement in XXXX XXXX. 

On XXXX XXXX I called the number on the back of the statement ( XXXX ) which connected me to XXXX XXXX. I explained my dispute and was given a different number for XXXX XXXX ( XXXX ). I called, was put on hold multiple times and finally spoke with someone. I was told that the {$27.00} statement sent in XXXX was late fees from the previous statement of {$270.00}. When I paid the balance in full on XXXX XXXX it was considered late as it was supposed to be paid on XXXX XXXX. I agreed, however I also paid the {$27.00} late fee amount on XXXX XXXX XXXX. After making that payment I called XXXX to close the account. I was then informed by the representative on the phone that after the {$27.00} payment there was an interest fee amount of {$9.00}. I asked for further explanation as I do n't understand how I could be charged interest after paying of the late fee amount and closing the account. I was told it was charged after making the payment of {$27.00}. I inquired further as to how I was able to call, speak to a XXXX Customer Service Representative, close my account and was never told I had a balance or how I was even allowed to close the account with a balance. The representatives response was plainly, " we will not remove these late fees you must pay in full or dispute the charge. '' I never received a statement for {$9.00} from XXXX. I was allowed to close my account and was never informed of a current balance. Had i known there was a balance of {$9.00} I would have paid it. Now {$9.00} has become {$120.00} and I truly do not feel I am at fault here.
Consumer complaint received 2021-03-24
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to First Invst/SVC XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to First Invst/SVC FIRST. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Consumer complaint received 2021-06-30
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: TD BANK US HOLDING COMPANY (NY)

the following accounts that appear on my credit report are not mine and are hurting me Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

11. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

12. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-01-29
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX XXXX XXXX. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX   XXXX ), apologized for this beahvior and the best I know 4 inquiries were removed, but Wells Fargo, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from XXXX and any other credit companies they may appear with.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.