davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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. (OH)

I have provided Experian documentations twice of my correct address. They have a copy of my Driver License that was sent certified along with my dispute letters. I have continuously tried to contact Experian and have fail to get through to a representative. I even contacted the fraud department and still no possible way to get a live person. This is an urgent matter. There are several personal information reporting that does not belong to me. Also inquiries that are also reporting that I did not authorized. I had a security freeze and I am concern as to why it was not active when these unauthorized inquiries applied to my credit report. I also contacted two creditors who stated they have requested to remove the inquiries, however theyre still showing. And this was in XXXX.
Consumer complaint received 2023-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-14
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one called the company asked about the 0 % interest disclosure it is not included on the statment on purpose it posted internally on the company computer when you call them. 

I asked for the interest posted t be disputed they declined told me could write to their general corresponsdence mail box via fax XXXX They did not feel like this was a scam, disagree
Consumer complaint received 2018-06-15
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. (TN)

XXXX XXXX XXXX is on my credit with a monthly fee of {$440.00}. It is in good standing but it is not my account. It shows that it was open in XX/XX/XXXX and has been paid each month, not by me, it states that my responsibility is co-signer. I have not co-signed any loans for anyone. It is labeled as an unsecured loan, valued at {$15000.00}. Last payment was given as XX/XX/XXXX. 

On XX/XX/XXXX, I called the company at number given ( XXXX ) and was directed to call XXXX. Spoke with the representative and she tried to locate an account in my name, she was unable to locate anything with my information. I lived in XXXX XXXX, XXXX , until XX/XX/XXXX before moving to XXXX, XXXX. The representative directed me to this website and told me to file here and it will be taken off my credit. 

The company information is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are 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/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/2019 I bought Visa giftcard for the amount of {$500.00} at XXXX XXXX XXXX, and went to the XXXX to buy a money order with it. I swiped this subject card, and was told by the CSR that it did not go thru, try it again. I tried a few times, still it did not allow me to buy a money order. I returned home and call the Visa giftcard phone line at XXXX, and the recorded voice said it was loaded for {$500.00} and was redeemed on the same day, XX/XX/XXXX. 
I waited for the fund returned to the card. Money never returned to the subject card. Finally on XX/XX/XXXX, I claimed to Blackhawk Network who handled. On XX/XX/XXXX they replied to me by email saying that credit issued to my account was final!! I never received the new card with money nor {$500.00} in my subject card. The XXXX email crews stopped answering my emails. When each time I called XXXX ( from back of the card ), each one of them told me lies, saying the new card was shipped, wait a few more days, etc. Now when I called this number about my subject card, it said it no longer phone support and hung up on me.
Consumer complaint received 2017-11-08
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: Innovis (IN)

ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NH)

Nexus Lexus continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but XXXX has not, even after documents, and several attempts.
Consumer complaint received 2019-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (OH)

I was charged two insufficient funds fees on XX/XX/19 and XX/XX/19 for {$38.00} each ( {$76.00} total ) - Both of these charges were mistakenly applied to this account rather than to a debit card I have linked with another account. I had previously declined overdraft protection and don't believe that I should have been charged either of these fees.
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (NC)

XXXX XXXX XXXX XXXX by uheaa will not allow me to make a principal only payment. I am currently paying more than my contractual payment requirements and would like to focus on paying down the principal balance. When I have contacted the servicer in the past, they have informed me that this is not possible and any accrued interest would have to be paid first. I would like to have the option of paying only principal. Additionally, when I navigate their website, the links to the payment application information ( how my payment will be applied ) do not work. I would like be to provided with the payment application that explains how the payment hierarchy works.
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.
Consumer complaint received 2019-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I write to you to formally file a complint against Citibank. On XX/XX/XXXX, I called the bank to close both savings and checking accounts because they were charging {$25.00} maintenance fee for not keeping {$10000.00} as minimum balance. I, like many people do not have that kind of money to keep in a bank that only pays 0.20 % ( APY ). Therefore I opened a maintenance free Online bank account and moved all my money there. 
Unfortunately, on XX/XX/XXXX my XXXXyr old Father made a teller deposit of {$300.00} to the Citibank checking account- that I thought it was closed. The following day I called Citibank to get the money back ; the customer service representative told me that I would get a refund check on my mail and that it would take between 5 to 10 business days. That check never arrived. I no longer have an ATM bank card so withdrawing the money is impossible. I am stuck. 
On XX/XX/XXXX, I called back and asked to talk to a Supervisor so he can explain why I still did not receive the refund. I was put on hold for a long time that had to hang up and call back again. I spent about an hour on the phone that day. The only thing I did before hanging up is that I filed a complaint with Citibank ( Complaint # :  XXXX ). I never received a letter from Citibank about the complaint I filled that day. 
I am not sure if there are more customers out there facing this predicament, if there are. I am formally requesting an investigation of Citibank practices, which I believe is breaking Federal and State laws ; I am also requesting for a full reimbursement of both my savings and checking accounts which totals {$320.00}. 

Best Regards, XXXX XXXX XXXX Debit Card # : XXXX Savings Acct. # : XXXX Checking Acct. # : XXXX
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 6th 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 XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$4600.00}
Consumer complaint received 2019-10-06
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: First Technology Federal Credit Union (PA)

I have noticed that FIRST TECH FCU have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FIRST TECH FCU and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NH)

XXXX XXXX continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but Experian has not, even after documents, and several attempts.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-31
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: DISCOVER BANK (MD)

I have a loan with XXXX XXXX, XXXX, and DISCOVER PL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVER PL with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

I happened to look on Maryland Case Search website and saw that XXXX XXXX, XXXX has filed a lawsuit against me. I never received any notification in the mail giving me the option to dispute the validity of the debt. I also saw on Maryland Case Search that a hearing is scheduled for XX/XX/2018, I was never served any documentation and would not have been aware of the lawsuit if I had not looked on Maryland case search. The address they have as my address is XXXX XXXX XXXX, XXXX, MD XXXX, I'm not sure where they got that address from, because I don't reside there nor have I ever had any mail go to that address. The address is not deliverable for me through the US post office. I would like to know if papers were served who did they serve the papers to and when, because I was never served.
Consumer complaint received 2019-10-06
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: Experian Information Solutions Inc. (FL)

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.
Consumer complaint received 2018-06-15
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. (GA)

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

Transunion and XXXX has failed to validate debts ... the accounts were indeed settled with original creditors ...

Transunion Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX Credit Protection OpenedXX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX   Accounts Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2019-10-06
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. (FL)

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on XXXX XXXX XXXX XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it  went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.
Consumer complaint received 2019-10-06
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. (FL)

Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges