davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
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. (MN)

There a company name XXXX  XXXX they gives someone a credit card under my name and after a long time they send me a letter said im going to collection agency after i called them many times to let them know i didnt apply for any credit card on their company they put the account under investigation and they find out its a fraud so i dont have to pay anything. 
After all this i get my credit report and i see a hard inquires from the same company thats i didnt apply for anything with them or give them the authorization to do. Everytime i called them i didnt get a resolve to my problem They effecting my credit score for something i didnt do! 
The hard inquires was on XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

And theres another company XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 
I dont know what is this company are i try to call the number above and they want a account number or social security number and since i dont have a account with them i enter the social security number and it said not in file or something like thats they also do a hard inquires thats effect my credit score! 

And there is another one XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

i dont have any account with them And also this company XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
I dont know what is this company for or what is it but i didnt apply for any credit card i only have two cards one with XXXX XXXX and one with XXXX thats it i dont have any other credit cards with any other companys They also do a hard inquires effecting my report I have a hard time working on my credit to build and im working so hard to make it perfect i dont know from where this companies came to my report And theres a address on my report i never live in or be there in my life i dont know from they got this address from. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX I never live there or been there all my life! I dont know from where they got this address And theres another compay do two hard inquires in the same month XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

I dont know why this two hard inquires in my report and from where they came! 

Please i need your help with my complicated situation!
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

Received 2 letters in mail from credit card companies stating my application was denied. Wells Fargo on XXXX for a credit card. Second was XXXX for a personal loan on XXXX. I also received two phone calls from XXXX first on XXXX, second call on XXXX. I returned the call and they stated my card application was denied. I told XXXX that I did not apply for a card. XXXX verified some information from the application, the name was correct and address was correct. Phone number was incorrect and last digits of driver licenses was incorrect. XXXX phone number was XXXX reference to XXXX. One person was XXXX and second caller was XXXX.
Consumer complaint received 2023-06-27
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. (MO)

I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax refuse to provide original documents to XXXX XXXX collection account for XXXX XXXX XXXX- I have never had a XXXX XXXX account. And im sure this account is past the Statue of Limitations for the State of Texas
Consumer complaint received 2023-04-21
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 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 2023-10-24
Product: Credit 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: CITIBANK, N.A. (CA)

My wallet was stolen in XX/XX/2023. The criminal tried to use my Citibank Visa XXXX at XXXX. I called Citibank immediately to report the stolen card, and answered a text from them not to let the charge go through because it was fraud. Citibank went into investigation, and denied my claim, saying I owe them the charge of {$2200.00}. I asked them twice to re-open the case, sending them what they asked for ( my driver 's license and a screen shot of the text ). They are no longer responding, but are now sending me past-due notices and threat of collection.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was looking for puppies for my kids and contacted a puppy breeder on XXXX XX/XX/XXXX. We discussed a bit, her name is XXXX XXXX said her husbands name is XXXX XXXX and they live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Email addresses are XXXX and XXXX. 

I sent a deposit of {$350.00} on XX/XX/XXXX and then was blocked from all communications with puppy breeder I reached out to my bank immediately to cancel the transaction that was placed using XXXX  through the bank app. After a little over a week I received a letter stating that my claim was denied and no error was found. I called my bank to get more information and the lady on the phone stated that the contacted XXXX and determined that no error was made and no refund can be done. 

I used a family members account to locate puppy breeder and once figuring out it was me, puppy breeder refused to refund my amount and then blocked my family member so I lost all communication again.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

Chase bank has flooded my credit with hard inquiries without my consent. It is hurting my credit reputation. I am asking that JPMC removes all these inquiries. 
Chase has been sending me all kinds of new car promotions and I dont want one. 

JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX  JPMCB CARD SERVICES ( Bank ) XX/XX/ JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX JPMCB CARD SERVICES ( Bank XXXX  XX/XX/2022 Thank you,
Consumer complaint received 2022-12-09
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the Equifax data breach. 
Thank you.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband and I filed our XXXX tax with a tax preparer. We expected it to be directly deposited into my personal account with Bank of America as indicated during the process of filing. For some reason it wasn't so, a tax refund check from IRS was sent to the tax preparer, which he deposited and cash his service fee and wrote a check of the remaining amount to me for us to cash our refund. The check was issued by XXXX XXXX. However, it was discovered to be a counterfeit check on the XXXX of XX/XX/XXXX when I deposited the check and my account with Bank of America was closed as a result after some days even after the cashier had me standing there for more than XXXX minutes to verify the check. Bank of America refused to refund me and XXXX refused to resolve the fake check either. I have been going back and forth both the tax preparer 's and Bank of America since the time of the incident. Please help I need my money back. It's my family 's right.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

On XX/XX/23 I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK (CA)

My taxes went down in my county and my house Insurance went down also, yet the mortgage company increased my monthly payments. 
Also, my home Insurance is only XXXX I would rather pay that lump sum. Im not sure what amount the lender has I called several times and no one seems to know. They are saying if its wrong its in an escrow account. I havent seen such escrow account and why not put the Insurance and taxes at the correct amounts? I would appreciate clarification. 

Thank you XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NC)

Reporting - XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my home address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX . I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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: World Acceptance Corporation (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX You are in direct violation of the fair credit reporting act ( XXXX world finance XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you in direct violation of several laws under the fair act credit reporting act.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I was a victim of ID theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. Ive already filed a FTC report. And the inquiries are, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX