davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I want to freeze my account due to the breech. Experian will not let me do this. I DO NOT LIVE IN THE USA. I AM A CITIZEN LIVING ABROAD. The phone number given will not work here. I have a problem because I dont have an address there. I have sent a letter along with detailed information, as well as a check to pay for the service and I have gotten no response. I can not send proof of living in that house because I do not live there. I live in XXXX. The US address is my mailing address only for the states. If someone from this company would just contact me. Email works best. Or if I could get a phone number, non toll free, I could call. I do need to speak to someone personally. The information provided on the website wasnt good enough. I found a number and called and it was a machine asking the same questions that were asked on the web site. I filed a complaint that i can not access this company and received a message to send information that i do not have or to call a number that i can not reach. I NEED SOMEONE TO CONTACT ME VIA EMAIL. OR GIVE ME A PERSONAL PHONE NUMBER WITH A REAL AREA CODE THAT I CAN CALL. I NEED A HUMAN BEING TO INTERACT WITH. MY EMAIL ADDRESS is XXXX. Please, I AM BEGGING YOU HELP ME FREEZE MY ACCOUNT. DO NOT SEND ME THE SAME RESPONSE. I have tried every option available and non of them work. I have called the XXXX branch hoping that someone can help me find a phone number. My husband has called the XXXX branch and they just do not bother to return the call.
Consumer complaint received 2024-10-07
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

I sent this letter on XX/XX/XXXX in writing because they have made it so hard to dispute it any other way. I am writing today to document my dispute for two charges on my account. I am highly disappointed in how difficult this has been to dispute these charges given you ( Bluebird ) contacted me via text when you identified the fraud. 
I received a text from you last Friday XX/XX/XXXX asking me to call due to 2 suspicious transactions. You turned those transactions down. I then indicated I saw two charges that had just been put on hold that also did not belong to me. I was told I needed to call back after they posted to dispute them. Given you found the fraud this made and continues to make no sense to me. 
I called on Sunday XX/XX/XXXX after they posted. I had to go through another lengthy phone call and was told you would dispute them and I would receive something over email directing me how to submit it in writing. I still have not received anything so I am now officially putting it in writing. I also plan to complain to the Consumer Financial Protection Bureau. 

These two transactions do not belong to me. 
Store Purchase XXXX 'S XXXX 'S - {$110.00} XX/XX/XXXX Store Purchase XXXX XXXX - {$130.00} XX/XX/XXXX The last transaction I made was for {$17.00} at XXXX XXXX XXXX. I made the purchase in person and had my card with me at all times. Your staff told me that is where you believe the account information was taken that led to the fraud. I had to answer this question each time I called in, so I am providing it now. I did not file a police report because again you identified the fraud. I find that question ridiculous because as an owner of American Express Gold card with a similar incident I was never asked that questions and I never had to go through these hoops to put in a dispute and get it resolved. You clearly provide a lesser service to BlueBird Account holders. 
I am extremely disappointed in the service you have provided regarding these charges. You are in effect holding my money hostage and not going after the merchant that accepted a fraudulent number.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I did not authorize this purchase on XX/XX/2018. I told Citibank that this transaction was UNAUTHORIZED on my behalf. They gave me conditional credit of {$15.00} but then reversed it back out on or around XX/XX/2018. They also gave me a new debit card so that this dishonest merchant ( XXXX ) would not charge the card again. But they still need to credit my account for the {$15.00}. The acquiring bank XXXX XXXX XXXX handles XXXX account. But they have ignored the request even after I cancelled the account with XXXX for which I did not authorize the transaction. I sent Citibank proof of the cancellation on XX/XX/2018 and they still have not granted me the {$15.00}. I am NOT stupid. Nobody is going to steal money out of my checking account without an aggressive response. This is bank fraud and wire fraud. I will be contacting the FBI AND LOCAL LAW ENFORCEMENT if this matter is not resolved soon. 

CLAIM # XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2018 I went in to the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Ma XXXX I walk up to the teller swipe my card and then enter my code. After the teller look at me and then look at my three accounts the teller then asks me for my ID I said even though I swipe my debit card and put in my code. After telling her Im just checking my balance Im going to transfer {$200.00} from one account to anther account and them she/teller said I still need to see your ID I said you need my id just to check my account balance and she/teller said yes. 
So I go over to customer service and tell him the same story and then he ask do I have my debit card with my code and I said yes and then we both go back to the same teller the customer service man ask me to swipe my card I did. And then he said put in your code. I did. And then the teller checks all 3 balance and did transaction and I'm still asking both of them why she needed to see my id NO ONE COULD SAY ANYTHING TO ME .... but I know why I never felt humiliated and embarrassed like that in my life On Monday morning I call that same branch to speak to the manager and he made up so many excuses on why I need an id and got all out of his professionalism and started acting immature over the phone so I told him I will just report it to the XXXX and the Manager / XXXX said he dont care an then I hung up.
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I've been attempting to pay for Items on XXXX, two different payment methods were attempted. Both a credit and a prepaid debit card were used, both rejected numerous times. The error message shows, " Payment method not accepted, please use a different method of payment or check card details ''. The cards are issued from different banks and are separate from another, XXXX reps directed me to Paypal as they process payments for XXXX. The card numbers end in XXXX, a credit card, XXXX, a prepaid debit card. Both banks do not show any attempt by merchant to process payment, no declines from said merchant. Paypal reps gave me varying reasons for error including, a Paypal account is needed to use card on XXXX, or the seller only accepts payments through Paypal, or the card I'm using is linked to a Paypal account which is restricted. I was also told the email address I'm using could be linked to a restricted Paypal account, my email is XXXX and not linked to any Paypal account I am aware of. The seller of the items opened an unpaid item case against me and is now closed, I now have a strike on my XXXX account since I am currently unable to pay. Paypal needs to fix the error on their end, it appears I am not able to use any card on XXXX to pay..For their information, my XXXX user name is XXXX
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed that Capital One is reporting a late payment on my credit report for XX/XX/XXXX - one a specifically remember having to pay online. I have been attempting to resolve this with them due to the fact that I believe an issue with their online system incorrectly processed my payment and thus left me to believe I had correctly processed a payment when in fact it did not. I have been a customer since XX/XX/XXXXand never had this issue occur. Now that this late payment is significantly impairing my credit score they refuse to assist me in clearing up this error. I really don't feel I should be penalized for this late payment since it was not my fault, but Capital One 's.
Consumer complaint received 2018-07-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

to whom it may concern : last year at this time my mortgage company Freedom mortage increase my mortgage about 800.00 a month with no explanation!! I submitted thru your organization last year a complaint. freedom mortgage didn't really give a viable explanation as to why they increased it but they did lower it back to what it was. NOW!! a year later they are doing it again! telling me I owe them roughly 700.00 additional payment per, and when I call them they initially agree that something is wrong, but as usual they say pay it!, so I called my city tax office they said my taxes are payed in full. I told Freedom mortgage again that my taxes are about XXXX a year. they said I have to pay an additional amount of roughly 4500, I ask him to email me those documents that say I owe roughly 9000 a year in taxes, he said he would, but am still waiting. my case file number : XXXX XXXX XXXX XXXX XXXX asst vice pres customer service wrote my last responce
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (GA)

On XX/XX/XXXX around XXXX in XXXX GA, I made a purchase at a XXXX gas station. However, the cost of the item was XXXX and the amount deducted from my Netspend card was XXXX. Additionally, the charge showed at pending which did not show as the merchant having collected the amount. Thus the money wasn't showing on the merchant 's end, thus I could not get the item purchased. But {$1.00} was deducted from my card. I called NetSpend customer service and they told me that a purchased was made for {$1.00} but the cashier told the Netspend representative that there was no purchase showing on their end, as if I never made the purchase. I also confirmed that. The Netspend representative told me that I would not get the money until it is either collected by the merchant or refunded to my card. I thought this was atrocious for in the past, when I usually make a purchase, the money goes to the merchant immediately instead of the transaction pending. This means the customer is without their money for the purchase and also without the item purchased. The workings of the way this card works is close to stealing in my opinion because the Netspend bank takes the money from you but never deliver it to the merchant.
Consumer complaint received 2018-07-31
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. (AL)

I have attached scanned documents for report number XXXX. All the pages show this report number. on page 2 of 12 it shows XXXX XXXX AND XXXX XXXX   updated and i would like to see the documentation for these updated accounts. Also i have attached the letter i sent experian on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XX/XX/XXXX and i only received a credit report that says updated and no proof.On page 5 of 12 the accounts is reporting twice with no full account number, different balances, different report dates, different monthly payments, no high balance, different statuses, different date of statuses, and different payment history. This is a violation of the FCRA.On page 7 of 12 portfolio recovery is reported as paid and i never paid this company and they should not be on my credit report. On the attached scanned on page 7 of 12 santander have late payments that was not late and i have not beeen shown any proof.Also XXXX XXXX IS REPORTING AGAIN ON PAGE 7 OF 12 WHICH IS A VIOLATION OF THE FCRA.ON PAGE 4 OF 12 XXXX XXXX IS REPORTING TWICE WITH NO FULL ACCOUNT NUMBER, RECENT BALANCES REPORT TWO DIFFERENT DATES, STATUS REPORT TWO DIFFERENT DATES, AND TWO DIFFERENT PAYMENT HISTORY WHICH IS VIOLATION OF THE fcra. THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBER BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the  consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. Experian was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have requested that TransUnion ( TU ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. TU is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, TU stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to TU. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
TU filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. TU states if after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results. The U.S. Bankruptcy Court has been contacted and states the U.S. Bankruptcy Court dp not report to credit bureaus. 
TU continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years. TU continues to re age the account due to not showing the last date of activity. 
.
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

This is a complaint against Transworld Systems Inc. and the XXXX XXXX XXXX XXXX department. 

On XX/XX/XXXX I received a notification from Transworld Systems Inc. that an account of mine has been placed with them for collection. The account is with XXXX and is in the amount of {$310.00}. 

I have a payment plan with XXXX for this account that was started in XX/XX/XXXX. My monthly payments are current and complete. Please see attached for correspondence with XXXX XXXX XXXX XXXX department on setting up the payment plan, as well as the XXXX and XXXX installment payment confirmations. 

XXXX should have never placed my account for collection. Additionally, this balance payment is for a medical bill that was not processed by XXXX in a timely manner with the insurance company - please refer to my XX/XX/XXXX CFPB complaint # XXXX. This will ruin my credit score and  Transworld Systems Inc keep calling me while I am at work and not able to discuss sensitive details on the phone.
Consumer complaint received 2018-09-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (TX)

This company failed to provide me with a truly executed copy of my loan paperwork for all 15 loans I have with their office. They provided me with only 1 copy that has a typed signature on the document. I requested the documents with my original wet signature on them. 

In addition, per the terms of the contract provided in the prior complaint ( ID : XXXX ) with this company filed in XX/XX/2018, the loan was not accelerated and considered to be in default until it has been 270 days delinquent. This company responded and stated the loan was 90-92 days delinquent. This company falsely reported this information to the credit reporting agencies, which is against Texas Finance Code 392 and FCRA. 

Per the document they provided in the previous complaint : The following events will constitute a default on my loan : ( 1 ) I do not pay the entire unpaid balance of the loan after XXXX has exercised its option under items ( 1 ), ( 2 ), and ( 3 ) in the preceding paragraph ; ( 2 ) I do not make installment payments when due, provided my failure has persisted for at least 270 days ; or ( 3 ) I do not comply with other terms of the loan, and XXXX reasonably concludes that I no longer intend to honor my repayment obligation. If I default, XXXX may capitalize all the outstanding interest into a new principal balance, and collection costs will become immediately due and payable.
Consumer complaint received 2018-09-23
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. (IL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # XXXX