davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (MO)

Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages. 

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-04-24
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. (PA)

In accordance with the fair credit Reporting Act XXXX, Account XXXX XXXX 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 2022-06-28
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. (TX)

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  have 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 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I suspected fraudulent charges on my Children 's Place credit card, which is through Comenity Bank. I tried to log into my account on XX/XX/XXXX but it said the system was down for scheduled maintenance. I tried again on the XXXX and got the same message, so I contacted Children 's Place customer service and was told they couldn't help as it was an issue with the credit card, but they gave me a customer service number and a link that I supposedly could use the pay my bill. The link didn't work and when I called the number, I got a recorded message saying that their system is down for maintenance and that their customer service is unavailable and to call back later. I tried logging in and calling again today, XX/XX/XXXX, and nothing has changed. 

I am concerned that the charges are fraudulent and that my scheduled payment will go through and I will have no way of getting my money back. Or, that the payment won't go through since the system is down and that I will be charged a late fee and my credit score will be affected. I also am concerned that someone may be using my credit card and will continue using it and obviously, I can't even call to cancel the card since the system is down.
Consumer complaint received 2022-08-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX DBA XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, 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 15 U.S.C 1681 a.1.a : States that any item that's being disputed must come off my credit report.
Consumer complaint received 2021-10-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I mailed a payoff check to Barclays and the check cleared my attorney 's trust account on XX/XX/2022. Barclays never posted payment to my account and is claiming they never received the check. I have sent them a copy of the check multiple times showing where it cleared the bank. The check is for {$4800.00}. I have called numerous times only to be told the same thing over and over with no resolution.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-19
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: Uplift, Inc (FL)

Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (OR)

I received a NOTICE OF ACCOUNT CLOSURE on my coinbase account on XX/XX/XXXX this year and can't use my account. I already made multiple support tickets asking them the reasoning behind why my account got closed but they refuse to give me an answer. I've been using their services for 4 years and felt like how they have been so unfair to me as a consumer. It has affected me negatively and also has affected my small business.
Consumer complaint received 2022-06-28
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 have several unauthorized inquiries on my Equifax from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to Equifax and disputed the information and was unsuccessful I also have several unauthorized inquires on XXXX from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful
Consumer complaint received 2022-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-10
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (NY)

I have a hard inquiry showing on my credit report from comenitycapitalXXXX I already contacted the lender and no accounts are open and or pending to be open with them. I have never open an account with this lender before and never did this inquiry to open an account with them.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score went from XXXX to XXXX with the description of changes detailing balance decreases of 2 of my credit accounts. 
The following week of XX/XX/XXXX I received another alert form XXXX XXXX that my score dropped XXXX points w/ the description of changes being another balance decrease of a different credit account. 
I believe I called Transunion that following week to inquire about the points drop but I didnt start taking names until I spoke with XXXX on XX/XX/XXXX ( It was then I learned that you have to keep calling until you get a rep that will actually transfer you to a supervisor, most reps will tell you there isnt one available and tell you someone will have to call you back, which NEVER happens ). 
But eventually I spoke with a supervisor named XXXX on XX/XX/XXXX from XXXX XXXX who couldnt explain the drop in points specifically ( like previous reps she provided me with scripted scenarios of what makes points go up and down, none of which applied to me ) after a longer discussion XXXX informed me that they were not allowed to give specific info about my credit score/account over the phone and recommended I pay for their website service for a better description of my account details. 
So reluctantly I did, and of course it didnt helpso eventually I called back and after several attempts at the game to get another supervisor I spoke with XXXX XXXX XXXX XXXX. 
I explained to her my situation and like the previous reps/supervisors she gave me the scripted description of what could make a score go open and down and like everyone else she had NO specific explanation why my score dropped XXXX points and even more surprising she claimed that Transunion didnt have specific details to elaborate to customers to explain their point system. In addition she also couldnt explain why on their ( Transunions ) website ( that I jus paid for ) there is a score trending graph that tracks your credit score my graph shows that my score has been XXXX consistently for a whole year ( which is not possible considering scores will change at least monthly ) she acknowledge that that shouldnt be but couldnt explain why it was. 
We went back and forth with a few scenarios, I asked what if it drops another XXXX, XXXX or XXXX points today or tomorrow and eventually her II dont know or jus silence to my questions became irritating. So obviously having no answers for me at all I finally asked if there was someone else I could speak with and she said no but surprisingly she recommended that a file a complaint with The Consumer Financial Protection Bureau.
Consumer complaint received 2019-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

When I got this loan I thought the fee charged was a one time fee. I didnt realize the interest rate was 400 %!!! Ive made 8 payments of {$190.00} ( {$1600.00} total ) on a {$1000.00} loan and still owe over {$700.00}. Ive paid over {$1000.00} interest and less than {$300.00} went to the principal.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-07
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. (NY)

On XX/XX/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. 

I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. 

On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported. 

I have attached the complete report for the review and as proof that no such information exists under my name with XXXX and therefore should be removed.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (MN)

I had to replace my debit card from which i was making payments to my credit card from and now i cant get ahold of anyone at the credit card company to switch pay methods. When i try to do it in the app it says my bank information is incorrect. When i call the customer service number im told the wait time would be XXXX min. I been on hold now for XXXX min and counting. This is with self inc. And ive been trying everyday waiting on hold for up to XXXX min at times only to get impatient and hang up. Now this is going to affect my credit rating. Not my fault what else can i do i cant even find an address on this company.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I entered into a XXXX XXXX XXXX XXXX XXXX loan as a co-signer with my wife at the time when we were only XXXX XXXX XXXX in the year XXXX. We XXXX XXXX XXXX XXXXater in XXXX under very negative circumstances and have had nearly XXXX connection over the past XXXX years. Our XXXX decree stipulated that my ex wife was responsible for the XXXX joint loan as the vast majority came from her schooling and not mine. However, she stopped making payments a couple years later after filing for bankruptcy. Now my XXXX XXXX is devastated by this and I'm forced to make payments on her behalf. 

XXXX was unwilling to help connect me with my ex in order to share information. XXXX also stated that I am not eligible for a loan separation. I have had years of agony trying to ask for help on this topic and feel betrayed by the system that allowed a XXXX XXXX XXXX XXXX XXXX loan to happen in the first place. 

Please help!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliantXXXX
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Helm Associates (PA)

I have a loan with HELM ASSOCS. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP (MA)

Key Bank. I had a car loan with XXXX as well. {$600.00} a month was going missing from key bank. I asked them many times to stop giving my money away to someone who was not me. My identity was stollen. And I keep getting additional bills from key bank. I had too close account to stop the theft. {$350.00} the are still trying to get out of me. I am XXXX. It affects my current loan greatly. I can not get a regular loan from this theft.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Consolidated Information Services Solutions, LLC (IL)

Today I received some calls for mortgage and I also got notification from XXXX XXXX  and XXXX XXXX XXXX  that your credit was hard pulled. 
I wanted to submit a complaint as I did not applied for anything and did not gave my consent to anyone yet. 
Please take a look into this.