davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I started to receive text messages on my cell phone in XX/XX/2024 from # XXXX claiming that I had a payment of {$34.00} due toward XXXX with a link to go to Affirm. I thought this was a SMSishing/fishing attempt to scam me. This repeated for a couple of weeks. On XX/XX/2024 I saw an email from an address with the Affirm name in it that said if I did not pay, it would go against my credit. I started to research online the same day to see what Affirm was and discovered it is a loan and credit type company. I procured the customer support phone number and called to start an account investigation. I have no information on the account outside the text messages and the email. They confirmed my name, address, phone number, and email address, then escalated internal ( case # XXXX ). I was told that the account was started in XXXX and a loan was taken out in my name for {$900.00}. I informed the customer support agent that it was not me, I would like the account locked down, and a fraud investigation started. I was told I would hear something back within 30 days. On XX/XX/2024 I read the email response from Affirm that their investigation shows that I did start the account and responsible for the payments. I never received a phone call for follow up or extra discussion, outside the email sent on XXXX and read on XXXX. 

I did not know this company existed and was legitimate until last week. I also do not shop at XXXX. I was not the person that opened this account or requested this loan. I have no login information for the Affirm site or an account number associated with this loan. That information has never been shared with me.
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I am trying to dispute a charge of {$17000.00} to my credit card citi account the charge is being disputed because the items were not delivered I was overcharged bad service and the project was never completed. I hired a company named XXXX to build a website and after a year they never built the website they fraudulently charged my card numerous times and when I tried to dispute this charge through citi ( after a good fath attempt to the XXXX company ) and at first was told they did not respond in time and believed that the dispute was completed in my favor and for some reason the dispute was not in my favor due to wanting more information. I am now submitting a packet a very thorough detailed information to support my claim to Citibank I would like to file this claim in regards to my right to dispute accounts and charges like this due to bad service and never receiving a website after a year of hiring this company.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO I WAS REVISING MY CREDIT REPORT AND I SAW A COLLECTION ON MY MEDICAL INTELLIRAD IMAGING CREDIT REPORT, A COLLECTION THAT I DO NOT ACKNOWLEDGE THIS ACCOUNT WAS FRAUDULENTLY PLEASED ... PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT THANK YOU.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

Credence Resource stating : " Account is in the name of XXXX XXXX, with one subscriber XXXX on account. As per mobile number change memo dated XX/XX/XXXX, subscriber XXXX changed to XXXX. Advise coverage device with serial number XXXX was returned and charge for it was already adjusted on XX/XX/XXXX. However, coverage device with serial number XXXX is not returned. Received a valid payment of {$100.00} on XX/XX/XXXX. Payment made on XX/XX/XXXX of {$100.00} was backed out. Current account balance is {$120.00} consists of service charge of {$7.00}, Dishonored check charge of {$20.00}, device fee of {$95.00}. Service charge is valid for service rendered. Device fee is valid for coverage device non return. '' This debt already acknowledged by RECEIVABLES PERFORMANCE as invalid with XXXX!!! PLEASE PROVIDE EVIDENCE OF device with serial number XXXX THAT IT WAS DELIVERED TO ME, I HAVE NEVER RECEIVED OR USED IT!!!
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

This so called collection agency has called me multiple times. They called about an old 5/3 account I had well over 10 years ago. It sounded funny so I personally contacted the bank to which a letter was delivered to me saying my account was closed, charged off and that they were not looking for any funds/ restitution on the old account. Furthermore, they also said " Fifth Third Bank has not contracted with ANY company to contact you ; ANY company that may have called you regarding your previous account with us is NOT acting on behalf of Fifth Third Bank. '' The " case '' manager with this " business '' claimed that I wasn't answering her questions so she escalated my case to the escalation department. Thats when things got funny. The lady claimed she was the director of communications for escalation and that I needed to pay the account or she was going to make sure my accounts were frozen, my income would taken, and anything I owned would be taken away. I informed her that I contacted the bank and they informed me they did not contract with them and she began to yell at me and even threatened my family. She told me she wold inform the military that I refused to pay a debt. I asked her why she was yelling at me if she was a law firm this is not how you speak to anyone. She proceeds to tell me that she was going to push my case to the top of the file and see to it that my accounts were frozen, assets taken and then hung up.
Consumer complaint received 2022-01-18
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: FISERV INC. (MN)

XXXX XXXX XXXX and Tele Check is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why XXXX or Tele Check is declining and not approving for my checks to be cashed or presented for payment. I want XXXX and Tele Check to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use XXXX XXXX XXXX and Tele Check.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I am a Macys cardholder since XXXX. I went to store to purchase items and was offered a promotion To open a Macys XXXX XXXX for a significant discount on my purchase. I agreed and received information from representative that I was approved. Card came in and wasnt XXXX XXXX but another store credit card. I didnt request to have two Macys credit card accounts. I called store to address this. They said they werent sure why I would have gotten another Macys card when I already had one. Problem is I was offered and told I qualified for an XXXX XXXX but wasnt told it wasnt what I was approved for. The terminology on paperwork is not clear that it wasnt an XXXX XXXX until I got the card in the mail. No where did my paperwork say I was declined for the XXXX XXXX.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have contacted XXXX XXXXXXXX XXXX to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I have sent off several attempts to the LVNV Funding and to the bureaus to try to validate the debt. The only response I am receiving is a bill in the attempt to collect the debt. I sent letter on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any agreement between myself and LVNV Funding. Nothing has validated the debt.
Consumer complaint received 2022-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

XXXX has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent XXXX several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. XXXX has Re-Aged this account XXXX states this Account was opened on XX/XX/XXXX XXXX states this Account was Charged off on XX/XX/XXXX, Payment history reported by XXXX to XXXX Repossession as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX. XXXX has deleted his account. 

Payment history reported by XXXX to XXXX XXXX states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by XXXX to Equifax XXXX states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} XXXX has continued to re-Age this account and continues to report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In XX/XX/2023, I called USAA Bank regarding a checking account being opened in my name using my information. No one in my family is in or involved with people from the military. They told me they would start investigating and they would close the account if they found it fraudulent. After a week I called back to make sure my account was being closed since I was still receiving emails stating changes being made in the fraudulent account. They asked me security questions, I'm assuming the other person set up then proceeded to tell me they could not let me know what the other person was doing even though it was all being done in my name, but they would investigate. I told them they had already said they were investigating and the person seemed to not know anything about it. They said they'd make a note for the fraud department so they could continue investigating. After about two weeks of going back a forth, and repeatedly verifying my identity, I stopped receiving emails for a while but never received any confirmation the account was closed. Fast forwarding to a week ago, I started receiving emails from the account again, the one I was told repeatedly was closed. I called them again and the lady told me they closed the checking account but not the main account. This wasn't true since I received an email regarding the checking account being active. I asked them to close all accounts associated with USAA so there was no longer an account in my name and she said she'd make a note of it for the fraud department. This means the first few people still hadn't made a note after months. I called again earlier this week, the week of XX/XX/XXXX, and I was told the same thing. The checking account should be closed but it's just the main account and they're not allowed to say anything else about it. They redirected the call to the fraud department and they told me, that the account should be being closed soon and to call back in a few days. It's been a few days now, and I have received another email about the person making changes to the account. This has been going on for months and it should have been closed when they told me they would close it back in XXXX.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I disputed this account due to inaccurate reporting multiple times with XXXX and Experian. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between XXXX and Experian. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I depoited cash in my account the the available balance reflected my deposits. Charges were then declined for insufficient funds but the bank has holds on the money for charges that were declined? I dont understand how that is legal. I have contacted bank of America several times and they said there was nothing yhey can do about it. 5 days later and they still have a hold on my money for declined charges that should have never been declined now i have hotel reservstions and no plane ticket to get there.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I own Chase Bank and have a salary account XXXX XXXX is hiding from me.I also own XXXX and XXXX  XXXX XXXX XXXX XXXXXXXXThey disrespect me on the phone.And refuse to answer emails.
Consumer complaint received 2021-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (NY)

Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Problem with Trans Union for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX  original creditor XXXX XXXX  2 ) XXXX XXXX  original creditor XXXX XXXX 3 ) XXXX XXXX  original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Consumer complaint received 2024-02-12
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. (NV)

I looked over my credit report and saw some inaccurate information. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (IL)

On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from XXXX, I do not have a XXXX account or know anyone that have one. Additionally, I received {$100.00} USD from MoneyLion. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for moneylion. I have contacted my bank, and now I would like to file a complaint about XXXX  and MoneyLion. I never authorized any of it, I don't even know the moneylion account that was supposedly made under my information.
Consumer complaint received 2021-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NJ)

I established with Veterans United a payment plan in which I pay XXXX of the monthly mortgage due every two weeks. The intent of this plan is to 1 ) pay a portion of principle early each month thereby reducing the overall amount of interest I pay during the course of the mortgage, and 2 ) make one extra mortgage payment per year thereby reducing the term on the mortgage. 

Whereas I expected Veterans United to apply each payment immediately upon receipt, they instead hold as 'inactive ' the first biweekly payment until the second one is received 2 weeks later. At that time, they credit the monthly payment. 

This results in the consumer not getting any benefit from the first biweekly payment whereas Veterans United ensures they get their full interest during the course of the loan despite being in receipt of half the mortgage payment 2 weeks early each month.