davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2021, I received a series of emails from Fifth Third Bank, indicating that a card was activated, that the cards PIN was changed, and a purchase alert for {$4800.00} at XXXX XXXX I immediately called Fifth Third upon receiving these emails and reported fraud. I indicated that I hadnt requested a new card or received a card with the number indicated. I made a report with the XXXX Police Department on XX/XX/2021 and gave the police report number to Fifth Third. I also got a letter from Fifth Third dated XX/XX/XXXX acknowledging a suspicious purchase on my card and stating that the card was blocked. I recently received a letter from Fifth Third denying my claim. The denial stated that my claim was being denied because the card has a chip and was used at a chip-enabled reader. However, I did not have this card and did not make this purchase.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ENOVA INTERNATIONAL, INC. (TN)

XXXX XXXX has called me in the last three months from MULTIPLE 646 exchange numbers. Saying press one to be removed, calling from a recorded line. I ALWAYS REQUEST TO BE REMOVED. PRESS 1. YET THEY CONTINUE to call. It is at least 10 times a day. It is absolutely ridiculous. 

I have texted stop I have looked for a website to be removed there is not one I have put my number on the do not call registry Please make them stop
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXXection 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX, Equifax and XXXX   credit reports. Each credit report shows more than XXXX inquiries ( XXXX from XXXX, XXXX with Equifax and XXXX with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my Equifax credit file. XXXX and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Consumer complaint received 2018-10-12
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 (IA)

In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Western Benefits Group, LLC (CA)

I set up a consolidation re payment plan through Western Benefits group and come to find out it is a free service from my loan provider XXXX XXXX XXXX. Western Benefits required an upfront payment of two installments of approximately {$300.00} each than {$35.00} a month following those two payments. I signed up in 2015 and have paid approx. {$1800.00} to this fraudulent company with no benefit from it what so ever. Please be advised and call your loan provider. This company is a SCAM!!
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a final notice of pre- legal notification from a company called XXXX XXXX XXXX regarding a collection for an XXXX  credit account through XXXX XXXX.I never opened a credit card for XXXX as all my purchases are paid on a debit card. I have never heard from this company until I applied for a student loan for my child.

Suddenly I receive a final notice for the amount of {$490.00} I didn't apply for. They allege a charge off date of XX/XX/2017. Also an unknown address shows up on my XXXX credit report along with this company. Numerous online complaints state this is scam company.I owe them or synchrony bank nothing I assure you.
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account from ABLTY RECVRY account number XXXX has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company which the claim {$690.00}.
Consumer complaint received 2021-07-13
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. (CA)

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I opened a Private Student Loan with Wells Fargo Bank for the amount of {$7500.00}. My father paid off the {$7500.00} on XX/XX/XXXX however a month after we received a bill for {$5900.00} for interest charged for the loan that was already paid. I was still in my grace period, so there should not have been any interest running on the loan.

We contacted the Wells Fargo costumer service for this student loan in person and by phone several times with no results about this interest charge.

As of this moment my father has been paying those interest monthly that include interest of the balance plus interest.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

My loan was on forbearance for 18 months due to covid-19 financial hardship experienced by my family, when I contacted Wells Fargo I was not giving accurate correct detailed clear information on my options after forbearance to make informed decision on what option is best for me post forbearance, not armed with accurate information on all available options after forbearance the mortgage company placed my loan on " Payment Deferral '' and when I found out I called Wells Fargo and told them that due to my family financial difficulties I can not afford the current payment as it is and I asked them that the best option for me at this time will be the streamline flex modification which will allow me to receive receive mortgage modifications without submitting any paperwork. They ( Wells Fargo ) refused to reverse their decision of placing my loan on payment deferral option. 

I first requested for the streamline flex modification without paperwork submission option in XX/XX/2021, and also in XX/XX/2021.
Consumer complaint received 2018-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc. (MI)

on XX/XX/XXXX after recieving letter from student loans dept about setting up payment plan., so setup tenative plan was adivsed had 30 days to submit documents needed to approve, said ok and let person on the phone know just started job so would be atleast 2weeks before could get 2nd paystub needed.said ok and then submitted documents to student loan dept with payment and then recieved call on XX/XX/XXXX from collection agency national credit services on my job .advised never gave permission to call me on my job could not recieve calls and to stop all contact. called student loan dept and was advised transferred acct to collections 10 days after spoke to them about pyt plan, advised nothing could or would be done.told them i was never advised could be sent still to collections and filed complaint. still have not recieved any contact back. then today recieved 2nd call on job from collection agency national credit services .again advised already told co can not recieve calls at work and told sorry was never listed as do not call. took caller name XX/XX/XXXX and ext.then adivsed filling again a complaint
Consumer complaint received 2021-12-06
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on TransUnion and XXXX please remove XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and XXXX please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

My name is XXXX XXXX, I am making this complaint of my own accord and do not consent to XXXX verification in response to AFFIRM reporting inaccurate information to three of the many credit reporting agencies. I have contacted AFFIRM to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by AFFIRM of a " debt '' the alleged is " owed ''. Given that I have contacted not only AFFIRM but XXXX, XXXX, and XXXX more than 90 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my fourth 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 alleged fraud or extortion. 
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