davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-21
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: JPMORGAN CHASE & CO. (VA)

On date XX/XX/2021 JPMCB Card pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with JPMCB Card Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TX)

I had XXXX XXXX XXXX XXXX XXXXXXXX contract that ended. I returned the equipment to XXXX XXXX XXXX using XXXX. XX/XX/XXXX - Each piece of equipment was scanned by XXXX and packed up for shipment. A few months went by and XXXX XXXX XXXX sent the account to collections. Around XXXX I called them and asked why they had it in collections when I had sent the equipment back months ago. 

They told me due to covid they were short staffed and returns were taking longer to process. They escalated the case and later stated that the equipment was found and they would correct the collections report. Months later it was sold to a collections agency. 

Im drained from fighting with these corporations it seems there is no way to win other than paying for equipment THAT I ALREADY RETURNED. Please help me! I can not afford to pay {$530.00} nor should I have to since I fulfilled the contract agreement. COVID shouldnt be an excuse to take my money
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Kikoff Inc. (CA)

Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Attached you'll find my most current credit profile as of today XX/XX/XXXX from XXXX a paid service. There are highlighted areas within the attachment that I circled/pointed out as inaccurate and being reported incorrectly. 

XXXX XXXX There are several addressed on the XXXX  report that aren't mine at all. 

XXXX ) There is a Bank Of America Account starting number with XXXX that is reporting previous late payment However the whole account was agreed to be full deleted from my credit report back in XXXX of XXXX by Bank of America. 

XXXX XXXX There are several Hard Inquires highlighted at the bottom of the report that were Not Authorized and I believe to be Fraudulent.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (GA)

I demand a full check of the amount listed below or an open end credit plan for the 3 credit cards in the total amount of invoice sent to the address attached or A permanent credit in the total amount of invoice for the violations you have committed, the pain you have caused. I would prefer for the credit card accounts to be listed positive in good standing reporting monthly to all three credit bureaus with in 15 calendar days. Remove any and all liens from the credit accounts, and grant full permanent access to account login or a check written in my name for the total amount {$150000.00}. So it is and so it be. We can settle this between us or I can move further and take this to litigation. I know my rights and my rights have been violated. You have committed fraud under my name. 
Pursuant 15 USC 1605 Pursuant 15 USC 1692d Pursuant 15 USC 1602 Pursuant 15 USC 1640 Pursuant to 15 USC 1692c. ( c ) I am contacting you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Consumer complaint received 2021-04-22
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-22
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. (TN)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (MI)

3 times in the last week I have received an email telling my my Chase Bank account has been compromised and that I would login to change it. I dont have a Chase account. Never had a Chase account and am getting tired of the regulatory agencys doing nothing about it. This scam could easily take a elderly person as it appears legit. Email is originating from XXXX However in you inbox says Chase Bank with their logo.
Consumer complaint received 2021-04-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX  credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX  days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (AZ)

I applied for a job with XXXX First Advantage did my report and it goes back 13 years All issues were already resolved by the court I was never arrested and never had a XXXX First Advantage never attempted to update the information before submitting a report directly to XXXX  Never sent it directly to me so I could clear up My deadline for clean report is XXXX
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

I have had an account with Regions for over 20 years. A Free account ; when I lost my job 5 years ago I was told as long as I had XXXX deposited into the account it would be free. 
I have been charged for this account {$3.00} and {$8.00} here and there for a FREE account. I have been with Regions for over 20 years ; this past XXXX they started charging NSF fees on pending transactions ; which I have never seen. I was always told that they do not do that in order to give you a chance to deposit money into the account. I went back and forth and every agent agreed with me, but because Regions put a block.. I was told no one could correct it even though they could see it was not my error. I finally filed a claim and the bank returned my fees after months of fighting. Finally my account went in the negative over a bank monthly fee. For the banks fee i was charged a {$36.00} NSF charge, and as long as I have had an account.. that has never happened even if I did not have the money to cover the fee. The young lady gave me the {$300.00} fee back, but I'm still left with the {$36.00} I told her I was closing my account because this is absurd. Now here we are again with Regions has been getting over on these fees since the pandemic. I am one of the ones that has been out of work due to the pandemic, and recently ill from XXXX. Here recently they charged me for XXXX NSF fee charges, but only XXXX item overdrafted my account. Then I was charged another {$72.00} for XXXX items that were covered by my deposit. I have a record that shows I had a {$440.00} deposit on the day they charged me the {$72.00} ; that should not have been. I'm still recovering and trying to stay on top of my affairs when I was sick.. still sick ... no compassion from the bank, and their ledger shows something different from what mine shows ; that they provide for me/consumers to see, but it's different so they can charge up these fees. I want my fees reimbursed and the block lifted from my account. Per your agents who said it's a bank error ; stated they could not do anything because of it. I feel like the block was out in for retaliation from a branch manager at the XXXX location, because I went above her. I just want my fees back and I will leave your bank because I feel they do not want me as a customer. Because of this ; it has put all of my bills out of sync with these fees they process as they want but differ from the ledger on online and app banking so they add what they want. So I will probably incur more fees because I didnt account for them adding fees when there is an actual deposit ... so if I incur anymore fees due to the current situation. I want those reversed as well
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

During XXXX and XX/XX/2020 multiple unauthorized purchases were made with my Citi Bank card utilizing XXXX. According to XXXX XXXX customer service these purchases were made online via their website utilizing XXXX as a third party payment service. Citibank card ending in XXXX was charged for {$4900.00} in special order purchases that were picked up at multiple store locations in person as well as delivered to an address that is not mine. Citibank never questioned said charges despite being large amounts that are being shipped to an address not on file with them. I have never utilized this card at XXXX XXXX previously and had a zero balance prior to these purchases. They have requested no further information from me nor had any correspondence aside from the initial dispute. They have somehow determined that I am responsible for these charges despite security failures on their part. I have asked XXXX XXXX to verify the person who picked up said purchases and was told they can not due to not requesting ID verification. CitiBank is refusing to deal with XXXX stating that I must try speaking to them. These purchases were not made by me nor were they authorized. CitiBank has determined I am responsible for said charges but have not provided any evidence as to why. I have included said charges and have print outs from XXXX showing the wrong delivery address and multiple fraudulent charges.
Consumer complaint received 2021-04-22
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. (TN)

I reached out to XXXX XXXX XXXX XXXX XXXX about a month ago about incorrect information reported on my account. A customer service representative stated my debt was paid off XX/XX/XXXX. My Equifax credit report is currently reporting six late payments From XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming the incorrect information but they have yet to correct with with Equifax credit bureau. I have disputed this item four times before this and they continue to report incorrect information.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (TX)

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 Addresses show tooltip button Select as many as apply XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX P XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX NEED XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX TEXAS XXXX, TX XXXX APARTMENT XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX THST XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX COMPLEX XXXX XXXX P XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX
Consumer complaint received 2021-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On date XX/XX/2020 cap one NA pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with cap one Na. Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}.
Consumer complaint received 2021-04-22
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/1990 Account-XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2021-04-22
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. (ME)

There are several inquiries on my TransUnion credit report that are not authorized. I contacted each company and TransUnion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the TransUnion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/2020 XXXX/XXXX   XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX I XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX I
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (TN)

I have tried to request validation and dispute this inaccurate charge. I do not owe on ANY medical debt or bills. All my medical bills are covered by XXXX XXXX XXXX. Everywhere I go knows that. This is wrong, inaccurate, and false information that I was never informed of owing any debt or given a right to dispute this before it was listed on my credit file. This is wrong and unfair. I need some help. 

AWA Collections reporting # XXXX for {$700.00} AWA Collections reporting # XXXX for {$1000.00}
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.