davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
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: Credit Plus Inc (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 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 XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (AL)

I have several closed accounts at Key Bank. On XX/XX/XXXX, a refund from XXXX was sent to be credited to my debit card since it was the original payment method. I waited for months for it to be rejected by the bank and returned to XXXX so they could refund me in a different method. I thought the problem was on XXXX, because surely the bank didn't accept the funds to a closed card/closed account. In XXXX, after XXXX assured me they had not gotten the funds back, I called the bank. After researching for a while, the representative told me that the credit had come on XX/XX/XXXX and was not rejected by the bank and had been held for 4 months. How can a bank hold someone else 's money without so much as a phone call? She said that she had to submit a request ( I believe to the Returns Department or something similar ) for a cashiers check to be mailed and that it would be processed within 2 business days. Over a week went by and I called back. Another representative saw the notes about the request and told me that it should have been 10 business days and to wait a couple more days. It's been over a month and I haven't received the check. I called today and spoke to 2 different customer service representatives who said there is no record of the transaction, no record of a request to send me a check, and they could only find one closed account in my name. I was on the phone for over an hour with employees who literally didn't believe me and wouldn't get assistance from anyone else to help me. I have moved and there is not a local branch for me to visit. I am still looking for a refund of {$230.00}. At a time when most banks are stepping up, Key Bank is proving that their processes are unfair, deceptive and abusive.
Consumer complaint received 2020-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (UT)

On XX/XX/2020, around XXXX XXXX MST, I called University Accounting Service LLC ( my private student loan servicer for my loan under XXXX - XXXX ) at ( XXXX ) XXXX, expressing concern that all my statements are missing after they moved to their new online system/website at https : //www.uasconnect.com earlier in the month. The customer service agent said that this was due to the move to the new system and that my documents would be uploaded by the end of the week. The week ended yet the documents are still missing, as of today, XX/XX/2020 XXXX XXXX XXXX MST ). I genuinely wanted to review my statements to see clearly and in detail how my loan balance has changed in the last 15 months, but I am unable to do so and I suspect this is a violation of my rights. It has now been at least two weeks since they completed the transition to the new system, yet they still are not providing me current or past statements. I do not trust this company and do not wish to have to keep calling them for something as simple as my statements. Therefore, I am submitting this complaint to the CFPB as I am probably not the only person affected by this negligence. Because I do not trust this company, I hope that this complaint to the CFPB will get them to act more expeditiously to resolve this than they would otherwise.
Consumer complaint received 2020-09-06
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. (NY)

I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the XXXX  and Experian and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (MO)

In XX/XX/XXXX, I received and reviewed my credit reports from XXXX, Equifax, XXXX and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, Equifax and XXXX and asked for verification on where this information came from. The results were, XXXX told me they verified these records through a third party company, XXXX gave a vague response that it was verified as accurate but did not say from whom. Equifax said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.
Consumer complaint received 2021-07-14
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. (IN)

I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. Experian dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )
Consumer complaint received 2020-09-06
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. (NY)

I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the Transunion and XXXX  and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I am being harassed by 2 companies. XXXX and XXXX XXXX. I was making payments on both accounts and they started making calls and submitted for delinquency. I told them I am on a flat income & XXXX. I was paying hundreds at a time when I had the money & when things got difficult they didnt care. I told them Id pay a portion but it wont be what they want.. {$400.00} at a clip. Maybe their system got used to seeing large payments & I no longer have that ability. XXXX dropped our insurance on our purchase & violated contract. We told them since XX/XX/XXXX and they refuse to escalate it but call every 30 min. XXXX was a card I got through the job that let me go for being XXXX and unable to work. I was paying $ 150- {$200.00} at a time but that wasnt enough for them. They also call very frequently. I was put into delinquency while paying back in XX/XX/XXXX, this is ridiculous. Why pay anything if they report me when I pay them {$200.00} and they want {$400.00}. Theyre getting paid, I didnt abandon payment. So having calls every 15 min to 1hour is ridiculous. I made them aware of my financial issue and had a great prior pay history. Its unacceptable to call someone 6-12 times a day
Consumer complaint received 2023-01-09
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (SC)

On XX/XX/21 I call Exeter Finance to make arrangements on my vehicle. I told it not possible. If I call on 30 of last month, it would be ok. So I explain that I'm 2days later on making payments arrangements, yall not willing to help. So now I'm being threatened to get my vehicle repossessed because it charged off on their account. In state of SC, I got received letter as attempts to get vehicle. I NEVER received it. I had problems with this company since my loan with them and I'm tired. They charger additional fee if chose make payments by XXXX or other financial vendors. They lies about fees, and when set up payments arrangements to their standard it won't be in your best interest. I need help please
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a XXXX XXXX XXXX with Capital one. This is the second time i have applied with them. But both times they keep saying XXXX  is reporting my score to be XXXX. This has happened both times and were the cause of my denial. I contacted XXXX  the next day and pulled my score which was XXXX and has been for months now. XXXX emailed me back and gave me instructions to report them to you and other agencies. I have all the receipts of email from both Capital one and XXXX. This is affecting my business ventures. I have over 700 scores with all three major Bureaus. 

I need something done about this. Now I checked my XXXX  score and it is XXXX as of XX/XX/2021 because of the hard pull from Capital one who denied my application on false info twice. 
Thank you very much, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2023-03-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-22
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. (VA)

On XX/XX/20 my Credit report was pulled for a pre-approval form XXXX XXXX. Minutes after my credit was pulled I received multiple calls from XXXX  ( lender ). XXXX was attempting to sell me mortgage loan options. The representative indicated that Equifax has a " deal '' with XXXX - providing them with notifications of credit pulls from other loan institutions. 

I find it hard to believe that an initiation responsible for maintaining credit information is able o leverage/sell my private information without consent. Could you please verify. 

Numbers I received calls from : XXXX XXXX Thanks!
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Someone applied for a credit card in my name without my consent. This resulted in a decreased credit score. I reached out to my bank and Experian to attempt to resolve the issue, which I believe will be done appropriately.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I opened an account with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, I made two purchases for a total of {$130.00} and should have had a remaining balance of roughly {$1400.00}. On XX/XX/XXXX, I received a phone call from XXXX from Wells Fargo stating there was potential fraud on my account. When I tried to log into my account, I received an error message stating my credentials were invalid. I called Wells Fargo and was transferred roughly 5 times and told a claim would need to be made, however, the representative did not verify any transactions. The representative reset my account and told me a new card would be mailed and ended the call. I had to log in and file a dispute for the $ XXXX in transactions myself. Several transactions also appear to be duplicated? Whenever I call the fraud team, I am simply transferred to multiple people and no one is able to help.
Consumer complaint received 2017-12-19
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: CITIBANK, N.A. (FL)

I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.
Consumer complaint received 2017-12-19
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: Risecredit, LLC (AL)

I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!
Consumer complaint received 2021-12-02
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: CITIBANK, N.A. (TX)

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But XXXX still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

This bank is beinf very rude to me I feel XXXX  against I applied for my XXXX XXXX  and it was initially declined due to many inquiries I called them to explain that I was a victim of identity theft and that XXXX told me the inqueires would be removed they told me to call them back to do a reconsideration and once they pulled my credit and saw that they were removed I would be approved for my card I called them they were able to confirm that they have been deleted but they still wouldnt approve me I feel like I was lied to and now their requesting documents such a frustrating experience especially when Im doing what their telling me to have my app approved they claim their system wont let them
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (MI)

I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from XXXX opened up in XXXX for XXXX 's XXXX  I also have been trying for over a year for XXXX  to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.