vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 00:00:00
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.
State: AR

Complaint narrative:
My problem is with TransUnion. The company will show something wrong and I file a dispute. While my dispute is pending, suddenly other information will appear and be wrong dropping my credit score more, and I cant even dispute it because I have to wait for the first dispute to be resolved. TransUnion has continued to do this to me for nearly a year, after I paid my debts and received a XXXX credit score. I  currently have a dispute where I opened an acct with XXXX XXXX in XX/XX/XXXX and paid it in full by the XX/XX/XXXX ( within 2 wks ) before the very first payment was even due, however TransUnion shows I still owe that bill and owed it since XX/XX/XXXX now theyve brought up closed accts and placed them as loans AGAIN dropping my credit score. My student loans were consolidated and taken over by XXXX, and I do not owe any payment to XXXX I have proof, but TransUnion listed XXXX as ANOTHER loan ADDING to my loans and stated I have a monthly payment, dropping my score again and again I can not dispute it bc I have to wait until the first dispute it resolved. Im going to follow protocol and then, hire a lawyer and sue TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NJ

Complaint narrative:
Today, XX/XX/19, I received a hang up phone call from American Adjustment Bureau. I have notified them twice that 1 ) there was no date on there attempt to collect a date and 2 ) this is not my debt, please stop contacting me. I have numerous letter and have had numerous phone calls since my notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a new credit card with Santander Bank and started using it on XX/XX/2018. The bank offered a promotion that said if I spend over {$500.00} within 6 months of opening the card, they will give me {$100.00} cash back, and so I spent over {$500.00} shopping within the first 6 months and waited and waited but I never got the promised promotion {$100.00} cash back. I contacted them by phone but they kept deviating from the subject and told me nonsense about my spending habit. I got nowhere with this problem so I filed complaint with better business bureau. All I got was excuses from the bank for not giving me the promised promotion {$100.00} cash back. That didn't get me anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash app by square is deducting money from the account but the card is declining during transactions and they did not notify any consumers of an issue with this and have no time table for a fix. No way to contact them outside of social media

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I bought a car in XX/XX/XXXX. I was sent payment information for my new loan through Golden 1 Credit Union.  The payment was due on XX/XX/XXXX. On XX/XX/XXXX I used XXXX XXXX XXXX to pay my car payment. I provided the account number provided to me by Golden 1. On XX/XX/XXXX I received a letter saying the payment was 15 days late. I logged onto my XXXX account and saw it was paid electronically on XX/XX/XXXX. I called Golden 1 and was told they never received a payment. I said it was paid electronically through XXXX. The agent on the phone kept saying it might have been lost in the mail. I said it was not mailed, it was electronically transferred and I already verified this with XXXX. They told me it transferred on XX/XX/XXXX and the money has left my account on that date. Golden 1 has the {$510.00} payment. The agent at Golden 1 was provided a tracer number but said she could not locate my payment. I asked her to make a note of this dispute because I did not want my car to be repossessed or to be marked late for payment. She said she could not do that. I then wrote two dispute letters and provided the proof of payment from XXXX to both complaint addresses. I received two more letters on XX/XX/XXXX from Golden 1 stating the payment was late, and they have not received a response from me. Even though I have called and sent two letters, and they are going to take appropriate steps to collect. A second letter stating it was 21 days late arrived as well. I have now sent two more letters in response. Golden 1 Credit Union 's response is unacceptable. They just seem to throw up their hands and ignore the issue. XXXX transferred the loan payment of {$510.00} on XX/XX/XXXX. My loan is not late, and they have lost my funds and refuse to respond or address the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express has locked my Membership Rewards for more than 3 months for no reason. They deducted XXXX points from my account on XX/XX/XXXX for not reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express very recently charged me a {$450.00} annual fee on a credit card. They then closed the credit card ( which is wrongful as well ). I asked for a refund of the newly charged {$450.00} annual fee, but they have refused. 

The {$450.00} charge was made on XX/XX/XXXX. The card was closed by American Express on XX/XX/XXXX. They should not be permitted to steal {$450.00} from me. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I tried to pay the company many times. They sent me emails to the effect that I had paid and then I would call back and try to pay and they would keep take my information and run it as an e check. My bank does not take e checks. They kept telling me that they were putting it in correct and they didn't. Although I tried to pay they kept running it incorrectly. They the. Reported that i was not paying on my credit card dispite the fact I kept trying to pay them. My report reflects like I was not paying, but they were not running my card correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Today XX/XX/19 I attempted to make a purchase at XXXX for {$2.00} and get {$100.00} cash back. My transaction was declined in the store. I checked my balance on their app and it still showed {$210.00}. I went to another register. Attempted to purchase {$5.00} worth of stuff with {$100.00} cash back and was declined I tried again and was declined I went to the ATM and was giving a message about reaching my daily limit. I then get an email saying the previous XXXX declined transactions were completed in my account and my funds were taken although I never competed any purchases. This company doesnt have live customer service. I was trying to buy groceries for myself and my XXXX daughters. Needless to say I was on able to buy the groceries. I also needed to pay for my laptop that is in the pawnshop today by XXXX XXXX that now has not been done that was the reason for me trying to get cash back. After sending several emails trying to get help all I was told is it will take XXXX hours. Now after waiting several hours I still do not have my money nor has the company provided an XXXX as to when the funds will be returned they took my last money and I need it back immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, American Express charged me a XXXX annual fee on a credit card. On XX/XX/XXXX, American Express improperly closed the credit card but they have refused to refund my annual fee. They should not be permitted to steal from consumers like they are trying to steal from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I tried to pay the company many times. They sent me emails to the effect that I had paid and then I would call back and try to pay and they would keep take my information and run it as an e check. My bank does not take e checks. They kept telling me that they were putting it in correct and they didn't. Although I tried to pay they kept running it incorrectly. They the. Reported that i was not paying on my credit card dispite the fact I kept trying to pay them. My report reflects like I was not paying, but they were not running my card correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT FED LOAN SERVICING CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
BACK IN 1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN 1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM 1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
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.
State: NV

Complaint narrative:
I RECEIVED A EMAIL AROUND THE XX/XX/XXXX ADVISING ME OF A BREECH WITH EQUIFAX THAT CONSUMERS INFORMATION FROM EQUIFAX HA BEEN COMPROMISED THRU A 3RD PARTY. I DONT CHECK MY CREDIT OFTEN BUT I DECIDED TO AROUND XX/XX/XXXX AND ALL THE INQUIRIES I DINT RECOGNIZED I SENT CERTIFIED LETTERS TO ALL COMPANIES ASKING TO REMOVE I DIDNT AUTHORIZED THESE INQUIRIES. SOMEONE RECENTLY HACKED MY BANK ACCOUNT WITH XXXX AND GOT INTO MY BANK ACCOUNT AND ALSO THEY BEEN TRYING TO GET LOANS WITH MY BANK. THESE INQUIRIES WERE NOT REQUESTED BY ME AND I WANT THESE REMOVE FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXXL -- -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX===========XX/XX/XXXX XXXXXX/XX/XXXX, XX/XX/XXXX/, XX/XX/2019

Company response to consumer: Closed with explanation