davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (MD)

On XX/XX/2023 at XXXX XXXX, I received notification from my bank that my account balances were {$0.00} for both my checking account and my savings account. I thought it was a fraudulent situation so I called my bank. I was told that it was a court order in the state of Florida to garnish my accounts. I have not received anything in writing nor any phone calls about this. I was given a phone number to call by my bank and it belongs to Zwicker and Associates, but because it's after hours, I was unable to speak with anyone. Over {$3000.00} was taken from me and I have a pending rent payment of {$1900.00} being processed as well as other bills on automatic draft payments. How is this possible with no notice to me?! No letters, calls, or any communication.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax and XXXX both have been erroneously reporting my XXXX FicoScore as XXXX. The same low figure Equifax assigned to my account with them. Unfortunately I have been paying these two companies Equifax {$4.00}, XXXX {$12.00}. I have stopped the one with Equifax. I have contacted both these companies, explaining the fact that my XXXX SCORE IS XXXX thats a difference of XXXX points. These two if asked by a lender would provide false information regarding my credit worthiness to them. My XXXX XXXX score has been in existence for a while and therefore available to these companies that are collecting a fee for providing bad information on behalf of the Consumer, to prospective lenders, is criminal in my opinion. Amazingly enough, they both have the correct figure of XXXX for my XXXX Score. I dont know where they get their Infomation from, or even if they are working together. Its just something I find strange.

Equifax Score is always the LOWEST score of the 3 reporting Agencies scores as Ive found. My Husbands, my XXXX Equifax scores are too the lowest of the 3. Im just surprise of their attempt to bring down my high XXXX XXXX down to their LOW XXXX level. Im terminating ScoreSense because they provide bad Infomation.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( {$3100.00} collection ) and XXXX XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-01-07
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: CITIBANK, N.A. (KY)

Was never notified of fraudulent charges. Opened statement a couple of months ago and had over {$20000.00} worth of fraudulent charges. They removed most of the charges except for XXXX which amount to about {$9000.00}. I called them at least 5 to 6 times. Every time they have assured me they would take care of it. I have talked to every department I could think of including the fraud and securities division. I have asked them every time I have called and they say they will take the charges off and they haven't. I have paid exactly what charges are mine and haven't used the card. Today they called looking for payment and then hung up on me after I requested the fraud department. I have sent letters and they have not acknowledged any letter I have written them, they just call to collect money. I pay off my credit card balance every month and have for many years. I have received written correspondence that there is an investigation going on. I believe the 3rd letter closed the investigation stating I did not answer their questions. That letter came with my statement, still carrying that balance, just days after last speaking to the fraud and securities department. They are still trying to collect this balance that I do not owe. It was an out of state construction company.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (WI)

In Accordance with the Fair Credit Reporting act US DEPT OF EDXXXX Account 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 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-09
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. (MN)

XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Consumer complaint received 2021-04-09
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. (IN)

I have several accounts that were not mine. Not even my name. XXXX, equifax have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies equifax and XXXX  keep saying verified. XXXX  has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a goodys card that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

On XX/XX/20, I was denied access to my online log in. I received the message, trouble logging in? I followed the prompt to resent password and was informed my personal information did not match the information on file. On XXXX I called the company 2 times. I was hung up on after speaking to the robot. Then I spoke to a multiple reps who transferred me to an IT rep. I was on the phone for nearly 45 minutes. I hung up because I had to work. I then contacted live chat 4 times. They recommended the same interventions each time, and each time it failed. I called CITI on XXXX. I was hung up on the first time. The second time I spoke to a representative who informed me he neededto transfer me to IT. He did so and then they hung up on me again. I am now online with chat for the fifth time. I have wasted hours of my life to log into my account to be sure I pay my bills. This company is a menace and has no semblance of IT support or customer service. Please intervene.
Consumer complaint received 2022-07-29
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. (GA)

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
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)

I call XXXX, XXXX Equifax and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Consumer complaint received 2020-06-03
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. (DC)

I have experienced several issues with Equifax several different occasions ( 1 ) I never received any future information about the data breach since I submitted my claim over the past two years and I have contacted them several times. Complaint ( 2 ) Equifax is not reporting proper information regarding my credit report On XX/XX/2020 my credit union reported to balances that had decreased from my auto Loan and a signature loan my total debt has decreased and Equifax has dropped my credit score because this I checked my XXXX  and XXXX  my credit score increased I check all three credit reports daily Im not understanding what happened with Equifax. I talk with a supervisor and she states that they use a certain method to calculate scores and I can not dispute the information that is negative reporting to effect my credit please assist me with this issue
Consumer complaint received 2022-06-26
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. (TN)

The account information XXXX  XXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

My mother and I have a checking account that was frozen for no reason. The bank said the account was being closed and our funds were frozen for two weeks. When we called the main office we sat on hold for an hour, then when we asked for a supervisor we were put back on hold and hung up on.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we have found out that our credit card ( Chase Sapphire XXXX ending XXXX, issued by Chase Bank, anual fee {$95.00} ) was closed by the bank. We have lost XXXX accumulative reword points ( worth about {$680.00} dollars ). 

We callled the Bank card service XXXX and got no resolution. They told us it was clased by the bank in XXXX and we lost all the points. 

We went to local branch office on XX/XX/XXXX at the XXXX XXXX XXXX, XXXX XXXX, CA XXXX The bank XXXX told us that Chase has sent us a notice on XXXX/XXXX/XXXX. 
We told the officer that we have not recived any letter from Chase for the closure.

The XXXX said that he will as a internal followup. 

Later we have used the XXXX secured Email to ask for a copy of the letter they sent to us about the closure. On XX/XX/XXXX, they responded that Chase automatically closed our account due to " BANK POLICY ''. It is very unfair to us without notifying us about the closure and made us lost the {$680.00} worth of the points. 

Please help. 

Th Bank is Chase and the Crad is SAPPHIRE XXXX Card We had the card from XXXX.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-22
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. (TN)

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 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 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I noticed that XXXX was taken out of my checking account I was incarcerated and could not have made withdrawal I submitted proof to chime and they refunded approx XXXX and I am missing XXXX and chime refused to refund I need that XXXX and change I don't have exact amount I think it was XXXX but nor sure can anyone help me
Consumer complaint received 2022-06-26
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. (VA)

Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acct # 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 2022-01-10
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. (UT)

This company just continues to fumble the ball on my complaints. Please see the attached. I filed a recent complaint about them not taking off 1 of the many expired student loans. Now they sent me a recent duplicate with all of the items being " verified as yours ''. I never disputed anything as not being " mine ''. I said they were outdated and should be removed per the FCA laws! They've been removed from XXXX XXXX and XXXX but Equifax continues to be confused over what a true dispute even means vs a request. They seem to only have one way of operating with no gray areas or flexibility in comprehending what consumers are asking for. I don't get the mentality at this company and for the life of me can not understand why or how they remain in business! No thanks to them not securing their systems properly they jeopardized our personal info, now they can't figure out who to adequately comprehend a request. So my request to this continuation of a problem that shouldn't exist is listed below. I continue to say this company is full of inept greedy people that have no ability to do anything right nor will they ever as long as they are allowed to exist. The scariest part is this company is still allowed to handle very confidential sensitive information!
Consumer complaint received 2018-10-16
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)

Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to XXXX  and Equifax ... XXXX and Equifax still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Consumer complaint received 2022-08-13
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX {$18000.00}