davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MN)

I received a letter in the mail midXXXX from Transworld Systems Inc. stating that I owed {$140.00} for a XXXX account number XXXX. I do have XXXX account, but that is not my number, and I immediately called XXXX to verify that I did not miss any payments. On XX/XX/year>, I contacted XXXX  support by phone and they confirmed that I am up to date on payments and that they would never bill me an amount like that ( my monthly payment is {$64.00}, it does not make sense to have a {$140.00} bill ). I then logged into XXXX XXXX XXXX  and requested validation of debt as instructed in the letter I received. The website said that it was submitted properly, but I never received any notification or anything otherwise that it was submitted. 

On XX/XX/year>, after not hearing from TSI, I again requested validation of debt. On XX/XX/year>, I received another letter in the mail for the same XXXX account number XXXX, only this time for {$150.00}. I attempted to log in to XXXX XXXX XXXX only to be met with the following message : " We are unable to service your account through the web portal. Please call us at XXXX Monday to Friday XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. '' I am now submitted a complaint as I've submitted two requests for validation of debt only to receive another letter in the mail claiming a different amount of debt from the first letter. They've also locked me out of their website. This is fraudulent activity as far as I can tell- the XXXX account number does not match my XXXX account and XXXX has confirmed that I am not behind on any payments.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

Good day! My name is XXXX XXXX, and I am reporting Chase Bank, and all its affiliates because I found out that a fraudulent account had been opened in my name, and as such has prevented me from actually opening up a legit account with them, along with a debt being tied to my credentialswhich is totally unacceptable. To which I responded to their request needing information for them to complete an investigationto which I did, and I have YET to receive any type of correspondence, which prompted me to have to call them to which I was informed that there were supposedly no accounts matching my SSN and Date of Birth, but yet their system still says I have an account with them, and wont let me do anything. I am being lied to about a fraudulent account that I never opened, and am being jerked around about being able to open a legit one. This is discrimination, and if this situation isnt rectified, then formal litigation will be bought against all affiliates as well as Chase Bank.
Consumer complaint received 2022-07-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-07
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/XXXX I received a text alert that a transaction had been made on my account for {$790.00}. I called XXXX and XXXX XXXX ( XXXX # XXXX ) and explained that I got an alert. XXXX said " don't worry I don't see a transaction on your acct so likely it's nothing '' A few minutes after hanging up I signed into my CC online and see a transaction referenced above. I called back and XXXX cancelled the card and issued a new card. He further said the transaction would be referred for investigation and taken off my account. On XXXX a new card arrived and I followed the instruction to set up online. When I log in I can see a new charge on XXXX for the same merchant and same XXXX amount. I called and spoke with XXXX on XXXX. She said " its confusing, but that is the reversal of the XXXX charge and with in 24 hours they will XXXX  out. On XX/XX/XXXX I signed in and see that the two XXXX transaction are gone, but a new change on XXXX for XXXX has appeared. I called and spoke with XXXX. XXXX tells me not to worry that the charge is the original charge and I should just ignore it. I explained that makes no sense as the transaction date is XXXX and in a different amount and was posted on an account that as closed four days earlier. She hung up on me. I called back and spoke with XXXX ( Ref # XXXX ). XXXX at least appeared knowledgeable and she explained that it was odd that a transaction would approve on a closed account. She would escalate this issue as she has worked at XXXX for a long time and has never seen a transaction approve, once an account is closed from reported fraudulent activity. I explained that I have no trust in Union Bank as this whole experience is a nightmare compounded by Union Bank 's inability to do their job!
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from Citibank for an unspecified amount. I represented myself and indicated that not having signed any agreement with XXXX XXXX XXXX XXXX but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal credit union has displayed XXXX XXXX XXXX discriminatory acts against me as a consumer and withheld access to my account doing so. This is disgusting & intolerable as I have all 7 recored calls of which I was deliberately hung up on for no reason whatsoever with disrespect and discrimination. Navy Federal has broken several federal violations and someone needs to be held accountable immediately On XX/XX/22 I contacted Navy Federal credit Union because I had no account access I then spoke to a representative who informed me that I would have to speak to a specialist due to my account having suspicious activity when I had not been notified by navy Federal credit union that there was any suspicious activity being done on my account, and she stated that there would be a 7min hold to speak to a specialist to assist me with this and I ended up being on hold for over 3 hours. When the specialist then came on the line she was very rude and disrespectful and did not resolve the issue at all and ended the call for no reason. I then had to call back and speak to another customer service rep who initially then tried to tell me that the last agent that I spoke with did not hang up one me, when she in-fact did hang up on me and tried to send back over and put me on another 3 hour hold without addressing the issue at hand so I asked to speak to a supervisor and the supervisor did not address the issue what so ever and hung up on me. I then had to call back for the third time only for them to hang up on me for absolutely no valid reason without resolving the issue. I feel as if I am being discriminated against because Navy Federal would not have treated their other customers in this manner. I have been in contact with the Navy Federal credit Union XXXX XXXX as well as XXXX XXXX XXXX to inform them what has been done to me. I still do not have any access to my account and am currently with out funds due to this
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-21
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: Bread Financial Holdings, Inc. (NJ)

Various accounts on my report are fraudulent. These accounts listed were not opened by me. 
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2021-06-15
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. (AL)

I have been battling with Equifax for over 6 months explaining that the student loans listed on my credit report for DEPT OF ED/XXXX, XXXX, XXXX, should have been deleted when you deleted the student loans for XXXX recently. I don't understand why you delete a few here a few there. I have a police report on file, identity theft reports, several previous complaints from CFPB and my complaints are closed and XXXX  does not complete the dispute process just drops the ball and I have to keep disputing until someone out there hears me & understand that this is not right. Please delete this information. Look back through my records and see how many complaints and disputes that I have filed and Equifax still reports incorrect information.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Someone gave me a fake check of {$5000.00} On XX/XX/XXXX I deposited it not realizing it was fake. The person was asking for the money back so I was transferring it back to them. Then my bank tells me on XX/XX/XXXX it was a fraudulent check and they are not helping me get the money wavered or reimbursed.
Consumer complaint received 2021-06-15
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. (IL)

I requested that Experian prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

I have never been late with any of my payments. This is an inaccurate reporting on their behalf due to the pandemic they were processing the payment delayed on their behalf. They have refused to up their system and to update the credit bureaus regarding this inaccurate statement which is jeopardizing my credit score with the late payments that never occurred.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MD)

I applied for an auto loan. XXXX XXXX, XXXX - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. 

I just opened all of my notices from XXXX XXXX. There is no report attached. Lexis Nexis claims they could not verify my identity. So, they are unable to produce a report. 

How did the banks obtain that information if Lexis Nexis was unable to verify my identity? 

All legal documents were produced heavily with secondary and tertiary style identification. 

How am I supposed to dispute an alleged low credit score through XXXX XXXX, XXXX - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

For several years I have been unable to get my Equifax credit report from XXXX. After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX  and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX, they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.
Consumer complaint received 2017-06-01
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: French Financial, Inc. (TX)

Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [  XXXX   ] cre dit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2022-12-03
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: OneMain Finance Corporation (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-22
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. (KS)

Equifax XX/XX/XXXX Confirmation XXXX. See Attached. 
XXXX 's XX/XX/XXXX Lost or Stolen, not me, hackers tried to order a huge amount of stuff. XXXX 's called me and stopped it. The account above this one dated XX/XX/XXXX is mine. This looks like I have two accounts, I only have the one. Take the XX/XX/XXXX off. The hackers are in XXXX XXXX FL, see attached, they changed all my contact info with XXXX 's, I got this statement online, my account is now changed back to me in Kansas. 

Hackers applied for credit, 9 companies dated XX/XX/XXXX to XX/XX/XXXX using my personnal information, which makes it looks like it was me, but it is not. The address in XXXX XXXX, FL is who did this. These hard inquires are pulling my credit score down. I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. Who would apply for credit this many times in such a short period of time?
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX on my credit report with Experian. The account in question is still reporting under my name and social via my personal credit profile.