davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (SC)

I had worked for XXXX XXXX as a XXXX  for 16 years. No wite ups no discipline with state board. I had left my XXXX for XXXX  XXXX at home. I was working 12 hour shift. A state mandat, which i had folled many times, all XXXX  follow to dispense an emergency supply of a med to a customer. XXXX had no way to bill it as a purchase, no set measure. They terminated me after a tech i told i was getting the emergnecy supply to reported me to the ethics line. I feel they discimnated against my condition, a protected XXXX. XXXX reported it to XXXX and i was listed as a thief nationwide on Esteem, effectively blacklisting me from the retail sector, the only area I had worked in. I soon discovered i was the only XXXX on this. This is not proper to do. The board decides discipline. Not a database. I never got any due process and nothing was even reported to the board. I have evidence this is not for XXXX. Removing me from the database isnt sufficinet when it caused me to loose my credibility and nearly XXXX XXXX dollars. Numerous attorneys are baffled by this. I was not even allowed a hearing, a grievance ... XXXX served me with cease and desist papers and ive been arrested for questioning the issue. I went from XXXX job to going to foodbanks, food stamps, and not much else as far as help. Three XXXX degrees and cant get hired thru the online process..Ive lost part of my XXXX from financial issues, beenarrested several times becuase i couldnt afford insurance, had to sell the house i grew up in and ive had XXXX XXXX  attempts. Is there no one that can help with this matter? Im supposed to loose it all and die a pauper over following a state mandate?
Consumer complaint received 2020-06-12
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I've Applied for A XXXX XXXX XXXX Credit Card several times each time I apply it comes bank Elements Associated with fraud the past three application i called the number listed and asked for reconsideration. Each reconsideration Came bank with the same denial. On or around XX/XX/XXXX XXXX I called and recieved the only denial being Indentifying Information does not verify. Please verify my information with the documents Attached And do a investigation on why your system keeps denying my application and reconsider my application. I have a perfect credit score and believe I qualify for A Credit card please also include The resolution to your investigation and if the problem was resolved and when I can recieve my card or reapply if the reconsideration is unsuccessful with the Credit Report and Information already on hand. I do not approve or don't consent to another inquiry on my credit report unless First bank card can utilize a soft inquiry instead of a hard inquiry as first bank card has my infor.ation less then 30 days old as the date of this complaint. 

Sincerley, XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2020-06-12
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-04-13
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: DISCOVER BANK (TX)

The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). 
The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. 
The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. 
The third time, they didnt answer. That was on me since I didnt check the hours. 
The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Please see attachment
Consumer complaint received 2020-04-13
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. (NJ)

This collection account is reporting on my credit profile with XXXX, Transunion & XXXX. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the victim of identity theft. I have already reported this to the credit bureaus as well as to the FTC but they do not respond to me at all. It has been over two months and they do not send me any type of response. I know I did my paperwork right and attached my IDs. I even put a copy of the Fair Credit Reporting Act. I know they are breaking the law.
Consumer complaint received 2023-07-13
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)

Mortgage Company - XXXX XXXX, is inaccurately reporting on my credit file. XXXX XXXX  is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX  to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX  representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 Payment on - XX/XX/2023 Payment on - XX/XX/2023
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my Equifax credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my Equifax and XXXX credit reports.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I have used this account for years only time late is with no notice they changed my billing due date. They claim in their letter they closed the account based on my credit reporting. I have to request all three credit reports and review for accuracy and make my disputes. Not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs. To just close an account when a customer was a good paying customer is not fair.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2020 I opened a Chase Total Checking account online, which was automatically connected to my online account associated with my three Chase credit cards, and over the course of the next week began the process of linking it to my external deposit accounts for incoming and outgoing transfers. On XX/XX/2020 I attempted to set up several external accounts for incoming and outgoing transfers to and from my Chase checking account using a process that required me to enter my login information with the external financial institutions and then verify my identity by entering a security code sent to my email address or phone numbers registered with the external financial institutions. After repeatedly entering the login information and security codes correctly with one financial institution after another and being presented with repeated error codes by the Chase website, my session was abruptly terminated and I received an error message indicating that my account had been locked to protect it against unusual activity when I tried to log back in, which I was later to discover meant that my online account had been permanently disabled. Despite promptly cancelling my Total Checking account over the security issue, Chase has steadfastly refused to provide me with a means to either re-enable my online account or offer a secure means for me to restore online access to my three Chase credit card accounts by de-registering them from my disabled online account so that I can create a new username to access my credit cards online, instead insisting that I create a new username over the phone -- despite the fact that I have no landline phone service -- or visit a local Branch ( there are none within 100 miles ).
Consumer complaint received 2020-06-12
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}
Consumer complaint received 2020-06-12
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX {$450.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Plus Inc (TX)

I applied for mortgage on XX/XX/XXXX and got a report stating that my XXXX  score is XXXX. This report was provided to the broker by CreditPlus. I followed up with XXXX  and they verified that the collection they was on file was all paid off. I verified with three other sources ( XXXX XXXXXXXX credit service, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) - all of them state my XXXX  credit score is 800+ For some reason CreditPlus has it wrong. By now I have contacted them three times and I have on the wait for 45 minutes each time with no luck. There is no reason they should be reporting my score so low. My mortgage got denied because of that.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I had a Chase card - Sapphire ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a Chase rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee Chase charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called Chase on the same day ; spoke with a supervisor ; and had my concerns validated. Chase had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises Chase reps made, but is an entirely illogical outcome. 
Please, request that the Chase customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank you.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (SC)

I informed them that I was on XXXX and they took care of everything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-12
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$1100.00} XXXX {$10000.00}
Consumer complaint received 2016-12-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (MD)

In XX/XX/2016, Navy Federal Credit Union stated I have a loan balance with them in the amount of {$1100.00}. with fees added, totaling {$1200.00}. NFCU offered me a settlement of {$630.00}. the settlement was paid in XX/XX/2016. Today, XX/XX/2016, I am reviewing my XXXX credit report and NFCU is reporting that the {$1200.00} has been written off vs paid in settlement. I spoke with NFCU and they claimed there 's nothing they could do to change the " falsely '' reporting information and it is XXXX reporting the information and not NFCU.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (GA)

I am sending this information due to the fact that on XX/XX/2020, I sent in an identity theft packet to two credit agencies for items that were not mine on my credit report. 
I received letters from the agencies so I contacted both agencies one agency took some information off my credit file and told me I needed to fax the ftcp image and they would take off the rest and then when I called back I was told it was not uploaded and then I got another letter saying it would be 30 more days which they have already been over 30days and they still have not removed the item and it's still on my credit profile and this item is not mine please have this item removed from my credit profile. 

Thank You,
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Im passed due {$83.00} as of XX/XX/2020. They are reporting Im past due {$150.00} as if XX/XX/2020 I have proof that I paid XXXX, even paid extra ( {$100.00} ) they are reporting a inaccurate past due amount. They are including XX/XX/2020 payment as past due and its not even past due as its XX/XX/XXXX today. I have recieved 10 phone calls 3 voicemails and 6 text messages. Theres a world pandemic and Im being harassed after trying to work with the company. I would like the company to accurately report my balance and update the inaccuracy. They are causing me to lose funding help. Im only past due {$83.00} and have attempted twice to come current but there are requiring I pay {$150.00} please have them provide a detail of every payment I feel like they are taking advantage of this pandemic in attempt to harass me and negatively report on my credit