davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MN)

I have been attempting to resolve this issue since the end of XX/XX/XXXX. I sent payment via check near the end of XXXX to American Express for one of my two credit cards with them. The check was returned 2x according to my financial institution before I noticed the error and transferred money to the correct account. XX/XX/XXXX ( third attempt ) my bank confirms that the amount of {$8900.00} ( XX/XX/XXXX Draft XXXX Processed Check - AMEX TYPE : RETRY PYMT ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) was removed from my account by American Express XXXX The next American Express statement showed that the previous statement balance was paid in full, as was my intention. XX/XX/XXXX American Express claimed payment was returned and re-applied {$8900.00} to my balance. This amount was not returned to my bank account and I never received any refund. I called several times to complain and open disputes ( many times the disputes were closed without my knowledge ). In XXXX my statement showed a balance of {$17000.00} after I had made complaints about the original amount which had not been settled. This the result of someone adding a duplicate amount of {$8900.00} to my American Express account. I complained about this additional issue, which was reversed on an upcoming statement and listed as an error. When I called to continue to complain about my missing {$8900.00} I was told it was applied to my account by one representative. Them meaning the added {$8900.00}. When I tried to argue this was not the case, they deferred back to the original statement that it could take 30-90 days to settle the dispute. My disputes were continuously closed and my concerns were not addressed. I was repeatedly told it could take up to 30-90 days to resolve the issue. My {$8900.00} is still missing, though it clearly shows American Express withdrew this amount on XX/XX/XXXX. With review of my bank statements up until today 's date, this amount has not been refunded. I recently sent a letter to American Express, with 2 bank statements, in hopes this would reach someone in the accounting office who will know what they are doing and who can review my account so they can resolve my concerns. I am not expecting them to attend to my issue as this has been the case the last 5+ months. My credit has suffered due to the reported overbalance back in XXXX ( dropped XXXX points ) and the continued balance on my account, which shouldn't be there. I simply ask that American Express apply the money they took from me in XXXX and apply it to my balance or refund me the amount so I can then re-issue payment to settle my balance. I have a folder filled with correspondances, statements and now an invoice from my lawyer whom I attempted to consult about this issue. I appreciate any help with this matter and only reach out as I feel I have exhausted all other options with this company.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous
Consumer complaint received 2024-03-29
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc. (TN)

In XX/XX/year> I bought a XXXX XXXX  from XXXX. After about 3 weeks I reach out to them because nothing was on my credit. As I write this today nothing is on my credit. After communicating back and forth they told me they would give me an extra XXXX  and 60 days free without charging me. But they still keep trying to charge my card and still havent posted the tradeline on my credit. They even did the 2 people I referred to them the same way. This company is a fraud.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to formally dispute inaccurate information on my credit report, which was reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received any response from TransUnion. I am providing the details of the inaccurate information and the necessary corrections required : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} This account is not mine, and I request that it be promptly removed from my credit report. 

2. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX This account is not mine, and I request that it be promptly removed from my credit report.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

My daughter XXXX XXXX helped me open a checking account at navy federal. But they wont let me have any access to my accounts or money! And my daughter transferred all my money out! To her account leaving me with no money amd on now homeless she also turned off my cell phone took my insurance money for my car! My daughter XXXX will not let me have any of my money! Please help me!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

they wont provide my notice of approved and my written wett ink signature .so equifax XXXX mainly are taking info off and reporting back months latter its been a year dealing with this obviously all three agencies are insuating their okay with me filing a federal claim for their willingly and knowing deceptive acts .i get denied but they extend my credit .and in these reports they give to others doesnt have correct info i should have XXXX late payments. they are providing credit transaction when i extended my credit im the only one submitting ftc police report doing my obligation. they keep saying i need to give them mysecuirty info to my login cause the secuirty question they ask is the question for resetting password and they asking question with out the muliple choice answer. XXXX and XXXX. obviously their intercepting problem because they resetting logg in they good liars. i had rep today state they will not unfreeze my credit freeze i verified all my info automated machine when verifying what they reporting is in correct. .but same info i give rep honestly equifax has secuirty issue their not aware off. i have a bank for the last two weeks been reminding me to unfreeze equifax report. every day i waste hours getting extorted for info .you guys need to audit these agencies also a supena and analyze their calls youll see what they do right in front of you.i need my credit report unfreezed from equifax i need them to provide in 24 hours my written signature date time the sent them giving my consent any agenencies or crediotr can report to my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MO)

I issued a dispute on XX/XX/XXXX at XXXX for an unauthorized transaction in the amount of {$310.00}, and gave proof of the hotel policies showing they were suppose to refund that amount. On XX/XX/XXXX Ally Bank claims I authorized the transaction. The representative said she wondered why the transaction was reversed as well when I talked to XXXX this morning on XXXX.
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield is a third party debt collection company wanting to collect a debt from me that they purchased, I never received a debt validation letter from this company never received anything from this company other than phone calls asking me to settle the debt.. I tried to reach out to them via phone and was directed to another third party company representing Hunter Warfield.I was asked personal information when I explained that I was seeking debt verification from Hunter Warfield.. Basically I was refused access to a representative of the company directly unless I verified personal information and I refused please help with this matter.. Thank you
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (DE)

This is the final attempt and opportunity to cure a default. AMSHER COLLECTIONS SERVICES is in violation of Federal and State Laws, Regulations, Codes, Public and Private Acts and Constitutionally Protected Rights, as well as Aggravated Identity Theft. AMSHER COLLECTION SERVICES has been issued a bill for redress which has been delivered via the same method of communication AMSHER COLLECTION SERVICES utilized to contact me. 

Balance Due : {$390000.00} XXXX XXXX XXXX XXXX XXXX Dollars XXXX Cents.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

This is a fraud account that was opened without my knowledge nor consent. I am a victim of identity theft. Come to find out this is a business credit card, which I never owned a business. This credit card has impacted my credit score dramatically.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

XXXX XXXX  reporting fraudulent activity on my account. I never had XXXX XXXX. I was a victim of identity theft and they are constantly reporting fraudulent activity. I asked for proof and they have yet to respond.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I have attempted to contact Aidvantage on nine separate occasions to get information regarding my loan and why my monthly payments were adjusted. I sent two emails that I never received a response from, spent 3+ hours on the phone over the course of two calls where I was hung up on the first one, and then the second call I was promised an investigation and response within three business days along with a terms sheet for their offer of lowering my monthly payment. I was not contacted again, and called a week after three times and each of those calls were disconnected by Aidvantage before I could even speak to someone. I got a response to my first complaint claiming I was informed my monthly payments were adjusted, but they have provided no evidence of that nor have they provided the requested terms sheet for the offered lower monthly payments. When I attempted to contact Aidvantage to speak to them about their response, using both phone numbers they provided in their complaint, it said their offices were closed despite the fact their own website says they are open until XXXX today and it is only XXXX. I am requesting to be provided evidence I was informed my monthly payments were changed, as well as the terms sheet on what exactly I would be agreeing to with the offered lower monthly payment. Until received I will not be making payments, and since Aidvantage is unable to properly service my loans if they negatively report to the credit bureaus I will be pursuing legal action for violation of the FCRA and FDCPA.
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A notarized/certified letter requesting validation of debt / proof of claim which by Federal Law I am authorized to do, was sent To : Capital One Attn : XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe because of the information I was specifically requesting would show full disclosure of a debt not owed and possible security fraud my account closed immediately after. Adverse action was taking against me and as a retaliation Capital One closed my account out. I have other accounts with Capital One that are open and have no issue with doing business. Therefore I am unclear as to how " activity on the account is not consistent with their expectations ... '' This was indicated in a response computer generated letter dated XX/XX/2023, without an officer signature as I also requested. The exactly activity needs to be fully disclosed to me which is also a Federal Law in which Capital One again chooses to not abided by. I then filed a complaint because my account should not have been closed nor did I give Capital One permission at anytime to report my information for the 3 Credit Bureaus. On XX/XX/2023 yet again a computer generated letter was sent stating my account has been placed into cease and desist, which means that Capital One will not communicate with me to collect on any debt owed. Again Capital One goes against Federal guidelines and I have statements each month since then requesting to pay on a debt. I should not be receiving anything communication.
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I made a payment on my ikea credit card from commenity Bank on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from ikea credit card. Upon further looking into it, I was advised by Comenity bank that the payment account was not good and payment was not successful in which I made another payment again on that same day. However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My ikea comenity account showed the payment posted. And more than that, I do not have even XXXX piece of communication from comenity/ikea that there was any issues with my first payment. This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small ikea credit card which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (TX)

I have filed a report with EWS regarding a derogatory mark on my account. I am and have been requesting it be removed as the DOB listed does not match my birthdate that is listed on my consumer report. I have contacted the furnisher ( XXXX XXXX ) who have said they will collaborate with EWS to have it removed, but have not. This account does not belong to me as it does not match my personal information. I want to have this derogatory mark removed.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

I filed a dispute for the fraudulent charges on my Chime account for {$2000.00} I told them one of my phones and bag with id and some cards had been stolen when car got broken into. The denied my dispute right away and didn't even have time to check anything if they would have they could have seen it was fraudulent and the person was not me and I did not authorize anyone to use or make any transactions. Nor did I give my pin out. I asked numerous times for the info they used to determine this And they sent me just the list of my disputes that I had disputed that's it no reason or why they said no error occurred. I have since filed numerous rebuttals and almost immediately they send me a email saying it's been denied and that's there final decision that no error occurred when it in fact did because I didn't authorize any of the charges I disputed. I asked for information how the determined no error occurred numerous times and they never could give me a reason that would answer why I keep getting denied and also they said I gave my card pin out when I never said that they completely lied and none of the answers come close to the questions they asked me and what I answered I tried calling ane emailing them telling them that I never said any of that and they ignored me completely and wouldn't change it. I honestly just want the money that was Mine back they also say they talk to other financial institutions to determine outcome I also included one from my other bank that agreed with my and refunded my money that was done from unauthorized transactions on my accounts and told them it was crazy my other bank believed me and refunded my money but CHIME would not and it was not fair I'm out this money that been stolen. I just want them to do the right thing like XXXX did and give me my money back that I didn't authorize anyone to use or didn't give my pin out. CHIME KNOWS WHAT THEY ARE DOING AND THEY WONT EVEN GIVE ME ANSWER THAT MAKES SENSE HOW THEY DETERMINE NO ERROR OCCURED WHEN IT DID! IVE BEEN FILING REBUTTAL AFTER REBUTTAL FOR MONTHS AND ALMOST IMMEDIATELY AFTER I FILE THEY SEND EMAIL WITH NO REASON FOR THEM TO DENY MY DISPUTED TRANSACTIONS ALSMOT IMMEDIATELY AND ITS NOT OK!
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX while on vacation on a cruise I took out a XXXX loan and had it sent to my robinhood account at which point they declined it and restricted my account. When I spoke with them about it they were not helpful and kept demanding I send them documents such as bank statements, ID and other to establish proof of my identity I guess. I refused and asked them to close the account and send me a check and they kept saying I had to submit identification, selfies and bank statements in order to close my account which I have had for many years. When I asked to speak to a supervisor they told me XXXX to XXXX hours and I need to submit these before mentioned items. So now I am without access to money while out of the country on a vacation.