davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another inquiry from XXXX XXXX  that has an inquiry date of XX/XX/XXXX and another one from XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another one  from XXXX/XXXX that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( TRANSUNION ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if XXXX XXXX  claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Consumer complaint received 2022-07-15
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. (NY)

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance- ; WXXXX  XXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$130.00} If XXXX, Equifax, and XXXX feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-15
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. (MO)

I'm filing this complaint as a follow-up to my earlier one, dated XX/XX/XXXX, asking that the XXXX and Equifax Credit Bureaus erase the false information they are reporting on my Credit Report. I was a victim of identity theft once more, and I'm asking to have the data associated with the fraud that was added to my credit report removed. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies must delete any information no later than four business days following the date of receipt. I previously mentioned this report and the false information in my complaint, and I'm doing it again. 
Also, the information that some Credit Bureau provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about the accuracy of the information the present on my Credit File. The following items must removed since these items were incurred due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX. The purpose of this complaint is to let the credit bureaus know that I will be suing them if they do not REMOVE the stated items from my record. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus responsible for their willful noncompliance.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

When I signed up for this financial product, I did understand of these types of products have high interest rates. However, I was just emailed about an interest rate and transaction fee reduction. When looking at the new rate, I never really realized, or must have missed before, how exactly how high this interest rate is. 238 % APR and a transaction fee of {$5.00} per {$100.00} borrowed. If this is the reduced rate, I cant even imagine with the higher rates were.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NC)

I have had an ongoing dispute process with Barclays, I called in on XX/XX/XXXX and was told by the rep that the reason the dispute was not settled was because the refund was provided to my previous card number and since my card was reissued with a new number, it needed 24-48 hours for the refund to show on my account. 

After the refund did not appear in the timeframe that was explained to me, I called back on XX/XX/XXXX and was informed by a different dispute agent that the previous agent opened a Fraudulent Activity Report on my case ID for the transaction. 

Since I never mentioned fraud or attempted to report anything along these lines I requested that I speak to a supervisor regarding the previous agent opening a case on my card without my approval. The supervisor then insisted that I was wrong and that I must have requested that the transaction be reported as fraud. She agreed that if one of the dispute agents created a fake fraud report on my file that the {$1400.00} transaction would be refunded to my card as initially explained on XX/XX/XXXX. After spending an hour on hold for the supervisor to review the 10 min recording, she acknowledged that I did NOT file a fraud report and the dispute agent never asked for my permission to file a fraud report. She then denied that she ever agreed to refund the {$1400.00} and repeatedly talked over me before abruptly hanging up the call after telling me there was no level of management above her and she had the ultimate say regarding the dispute and fraud report. 

The initial dispute this was regarding was submitted as a CFPB complaint that was never addressed. Barclays provided a number to call for the Office of the President that went to a voicemail inbox that I called 5 times over two weeks and never got a return call. This is the second complaint filed, the first for not reviewing documentation for the initial dispute and the second for their dispute agents filing fake fraud reports in order to have the disputed transaction temporarily refunded to my account before rejecting the fraud claim and returning the funds to Barclays.
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: EQUIFAX, INC. (GA)

XX/XX/XXXX Spoke to Equifax again, and no resolve, they state that the inquiries listed are factual, when they in fact have not. These are not my inquires and need to be removed. I have disputed over and over, latest Equifax Confirmation number : XXXX I have disputed these Hard Inquiries with Equifax, as I did not and they are still listed. Please remove inquiries from my credit report. Thank You XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

The Credit Bureaus have failed to provide me copies of documents to serve as proof of verification to support their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NY)

Hello. 
I had charges that did not belong to me & direct express has not helped at all. They denied my claim even when the companies in question tried to intervene. 
There were numerous charges but my concerns were of higher amounts. 
To begin, XX/XX/2022 a charge to XXXX for XXXX ( I haven't had XXXX in years ). 
2 ) A charge to XXXX for XXXX ( never heard of them ). 
3 ) A charge to XXXX for XXXX ( I have never ordered from XXXX online ). 
The first 3 charges were made on XX/XX/2022. 
Then XXXX XXXX for XXXX on XXXXXXXX  on XX/XX/2022 two charges, 1 for XXXX & the other for XXXX. 
To clarify these were not mine. In fact when I called to notify direct express they were quick to cancel my card and charge XXXX for a quick air delivery replacement card. I also have so many little charges from XXXX XXXX among other smaller charges. The company has been nothing but rude while I have tried to remain kind. 
Any help at all would be so appreciated. 
Thanks so much. 
XXXX
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IA)

XXXX continues to charge my Chase card after the card has been removed from the app and after I have called them ( XXXX XXXX ) and have disputed multiple charges on my credit card. I was told when I called XXXX they removed the card from the account. Since then, I have been charged a total of {$140.00} over 5 transactions. 

Previously, I tried to contact chase and have my card number changed so XXXX was unable to charge my account. I was told by Chase they could not stop these charges with a cc number change because XXXX has a deal with retailers to automatically provide the new card number. 

I have exhausted my options and want these charges to my card to stop.
Consumer complaint received 2021-08-10
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: Nelnet, Inc. (NY)

these accounts appear on my credit report, and I don't own them, it's hurting me. 

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

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

6. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

7. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

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

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

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

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

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

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

14. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

15. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

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

17. Identity Theft DEPTEDNELNET Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-08-12
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. (GA)

My Equifax score dropped drastically ( over XXXX points ) a few months ago without any discrepancies or delinquencies on my account. The other credit bureaus did not report a drastic drop so the issue is clearly on their part and not mine. I called today the XXXX of XXXX to inquire on the issue and the call taker XXXX was not helpful and advised that the score I observed on XXXX XXXX was probably not accurate even though its been reflecting the same score for 3 months. She advised I would need to see my score directly from equifax themselves which I logged in and provided from THEIR website. She continuously stated that I was not logged into their site even though I actually was, proving another technological error on their part. I took photos of my laptop as well as of my phone screen showing I was logged in to their site. She continued to say I was not logged in to their platform so I could not dispute the score I was seeing. I would like to file a complaint against the obviously incorrect score as well as the business themselves for having a flawed system that does not reflect when customers are obviously logged in. Ive attached photos showing that I was truly logged in during the phone conversation. Also photos of the drastic drop ( within 6 days of the previous score ) as well as the factors that affect my credit. There were no negative factors associated so there should not have been any reason for such a large drop in score. The date of this submission is XX/XX/2022 so any photo will reflect as today. For comparison sakes Ive attached my XXXX scores for the same period.
Consumer complaint received 2021-08-10
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-16
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. (GA)

I am a natural person, I am a living human being. 

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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. (PA)

I have mailed in several disputes to XXXX, Equifax, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.
Consumer complaint received 2019-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form Transuion, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (LA)

I received written correspondence from XXXX XXXXXXXX XXXX in XXXX ( attached ) of an estimate for payments owed after move out repairs were made with a notice that the final account statement was to follow. A final account statement was never received. I was then contacted by phone by Hunter Warfeild collections on XX/XX/XXXX. Upon returning Hunter Warfield 's call I was made aware that XXXX XXXX had hired them to collect on a debt. I requested that a itemized bill by mailed to my current address and provided that address to the representative. No further contact has been made by Hunter Warfield and no bill was recieved by mail. I have attempted contact with XXXX XXXX several times always leaving messages requesting a return call. My credit report as of XX/XX/XXXX shows a collection. I would like to dispute this collection as proper procedures were not followed and I can not verify the legitimacy of the claim. Thank you for your help. 
XXXX  XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IA)

I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts.

1 ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance
2 ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company.

3 ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again.

Collection agency seemingly don't or won't. Which confuses me more.

4 ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without.

5 ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXXXXXX XXXX, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
6 ) someone is not telling the truth or being on the level, and it isn't me.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I was charged {$190.00} on my Citi card by XXXX XXXX XXXX in XXXX Oregon XX/XX/XXXX. I have tried to get a copy of the charges to make sure they are correct and can not obtain one. XXXX tells me they charged me without any hard copy and XXXX states they charged me based on what XXXX reported. 

The last dealing I had with the XXXX XXXX location was XX/XX/XXXX. I do not mind paying for what I have contracted for but I also do not believe I should be paying for something without being provided with written documentation as to what the charges are for.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.