davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account XXXX XXXX, and XXXX XXXX account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I made a purchase at XXXX for {$2500.00} and activated the XXXX Feature on my card. On XX/XX/XXXX the purchase was refunded in full by XXXX and a credit of {$2500.00} was posted to my account. 

On XX/XX/XXXX I requested the refund be applied to my Plan and was told this was completed. Once I received my first statement, it was not canceled out, it was somehow reduced so now my balance is a little over {$900.00} and it wants me to make a {$130.00} payment... I have zero conference in what is going on right now and how the XXXX a credit gets applied but not fully. 

I've done several chats and calls into customer service to only be given the same run around about how it will be applied next statement... I was told the same thing before my first statement as well.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MD)

On XX/XX/2019, I sent a letter via facsimile to Sunrise Credit Services , Inc. in order to obtain written validation of the debt they are attempting to collect based upon a phone call I received from one of their employees and the derogatory information noted on my credit report. 

On XX/XX/2019, XXXX XXXX, an employee of Sunrise Credit Services , Inc. contacted me via telephone regarding this disputed debt, and I explained to XXXX XXXX that I sent a written request and I am waiting for her company to validate the debt. XXXX XXXX acknowledged that Sunrise Credit Services , Inc. had received my written request, and then stated that the company does not provide written validations only validations over the phone. XXXX XXXX then quickly placed me on hold and then stated that she would need to transfer me to her team leader. 

I was transferred to a XXXX XXXX who stated she was a team leader. I said to XXXX XXXX that I had sent a written validation request of the debt. She also acknowledged that my written request had been received, reviewed their files, and then stated that the company they are collecting the debt for has said that it is a valid debt. I asked XXXX XXXX when I could expect to receive the written validation to which she stated that her company does not provide written validation of debts. What she said over the phone is the validation of the debt. I then stated to XXXX XXXX, that I don't handle this type of business over the phone because I deal with paper, meaning I like to have written requests for my files. Because I refused to discuss the debt without having written validation of the debt, XXXX XXXX then stated that she will mark my file as refusing to pay the debt and ended the call.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Hey, I had a account with chime and I deposited a XXXX XXXX loan from the company XXXX to the chime account because the chime account was approved by the loan company the loan was deposited on XX/XX/2021 for {$35000.00} on XX/XX/2021 they closed the account with {$10000.00} left in the account and said it was being closed due to the deposit of the loan and they wanted me to explain the loan and verify myself and they will send me a refund check in the mail in 30 days if Im verified. So I did receive a check in the mail on XX/XX/2021 with only {$300.00} dollars from the account. I instantly emailed them back and told them I only received {$300.00} and theyre member service team replied saying sorry about the inconvenience we will send you another check in the mail containing the XXXX and we will expedite it in 10 days. Its XX/XX/2021 and I still havent received a tracking number or my refund from chime so I emailed back after the 10 days now they are saying my account is closed due to there internal policy I dont know what to do chime is taking of Advantage of me Im a young man I take care of myself I have bills to pay!
Consumer complaint received 2018-10-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-05-27
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 (TX)

I submitted a complaint last week against American Express Bluebird ( #  XXXX ) for a {$50.00} payment I made to my XXXX XXXX credit card on XX/XX/2020 that was never received and never returned to me and realized upon evaluating my account that there is SECOND payment of {$45.00} that I also attempted to make to my XXXX XXXX from my Bluebird account that was also never received by XXXX XXXX and never returned to my Bluebird account. So that is actually a total of {$95.00} missing from my account. Both payments on my account say " processing '' and they continue trying to " process '' these two payments even though I called Bluebird Customer Service to inform them that my XXXX XXXX Credit Card # changed due to fraud and I was assigned a new credit card #. They refused to update the credit card number, they refused to let me set up a new bill pay to this account with the correct credit card information and they refused to refund these 2 payments that have clearly been in limbo for months. Calling customer service is near impossible as it takes over an hour for someone to answer and once they do, they refuse to resolve a simple issue. I've submitted all the dispute forms they asked for and I can't even close this account until I get my money back. I need someone to help expedite this as I'm not getting anywhere with this terrible company. ( attached is my dispute form I sent to them )
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TransferWise Ltd (ME)

XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.
Consumer complaint received 2018-04-16
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. (NY)

XX/XX/2018 sent a request to Equifax to open their files and provide me with documents who match with mu records because what they are reporting in my credit is inaccuarte and is hurting dramaticly my score and my ability to access better chances in my financial situation. 
I sent proof to Equifax with notarized letter and certified mail showing inaccurate information with accounts containing information from the same source but with different values. 
My requesting was to remove and delete those accounts brcause clearly Equifax is in violation of the FCRA posting wrong information in my credit report vs the other 2 bureaus
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I'm disputing my credit report due to identity theft. XXXX and XXXX already removed the fraudulent accounts, but your bureau hasn't. Please fix this by removing the accounts immediately, as I doubt their accuracy, and ensure compliance with the law.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (WI)

ThereisnoevidenceofthevalidityoftheXXXXtransactions.CharlesSchwabmadethisdecisionpurelyoncircumstantialevidence.ThevendorfortheXXXXchargecannotbecontactedtoprovideproofofthetransaction,suchasasignatureauthorizationonareceiptthereforethistransactionisunauthorizedandfraudulent.CharlesSchwabstaffpresumptuouslyallegedthiswasrelatedtoagentlemansclub.

AccordingtotheFederalTradeCommission,Ifsomeonemakesunauthorizedtransactionswithyourdebitcardnumber,butyourcardisnotlost,youarenotliableforthosetransactionsifyoureportthemwithin60daysofyourstatementbeingsenttoyou.

ItookallnecessaryactionpursuanttofederallawandCharlesSchwabpolicytocomplywithreportingandcontactedCharlesSchwabimmediatelyafteridentifyingtheidentitytheftandfraudulentactivity.CharlesSchwabhasaresponsibilitytoreplacethelostfunds.

XX/XX/2018XXXXXXXXXXXX,#XXXX{$620.00}
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

I was ordering an XXXX to go home the night of XX/XX/18. I set my location as a XXXX supermarket and I called them to make sure they knew where I was. They told me they know where I am. I saw them drive by the supermarket. There was two XXXX that did this. One of them says I was not charged and the other one says I was charged {$5.00}. However I was charged the full price of the uber on my card. One was {$9.00} and the other one was {$11.00}. I set the right location and called them to make sure they knew where I was, it wasnt a hard location to find. I had to beg the third XXXX driver to not cancel on me and meet me in the same spot I have been this whole time and is the location I set on the phone. I filed a complaint on the XXXX website and have not heard from them since this incident happened. Here are the uber, date and time it was ordered and canceled. 
XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (NV)

i made a payment over the phone with XXXX agent XX/XX/22. i gave all my account information for the payment and she input it incorrectly. I gave her my entire account number correctly more than once. I was made aware of the error only after they reported my account 30 days late. They stated the account number was missing a digit a digit that their agent left out. I have proof that I had funds in the account the day of transaction. I also have proof that the same account was being used for months to make the payment. XXXX refused to let me hear the recording to prove it was my error. Stating they will not reverse the 30 day late. As you can see in my history i do not have a repayment issue. I have excellent credit and plan on keeping it that way. I demand proof that the missing digit was my error and not theirs as i provided the same banking information i always have when making my payment. Thank you
Consumer complaint received 2021-12-07
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Transunion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX 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 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 XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I'm warning you if you don't sort out this issue within 10 days, I'll report your company to the FTC. You're legally required to respond in 15 days, and not doing so puts you in non-compliance, risking fines up to {$1000.00}. Send me the requested info within 10 days to avoid me going through with the complaint.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I Purchased a online marketing services from {$190.00} from a company called XXXX XXXX XXXX ( XXXX ), which those services were not provided. By XX/XX/XXXX I saw in my credit card statement another charge for {$190.00}. I contacted merchant and he dined to refund payments. then I contacted Capital one ( credit card company ) to request a dispute for those charges. Capital one ask me support documentation which I provided. after few days they replied me back telling that the dispute was rejected because I need to submit more letter and documentation. since then I have been submitting all the documentation requested, including email from the merchant holding me in ransom to get my refund just if I delete review from XXXX XXXX. 

Capital one still rejecting my claim after sending letters, proof of disputes, emails from merchant.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TN)

I financed a vehicle through bridgecrest with drive time and paid a cash down payment but when I looked at my statement it was posted that it was a credit transaction.which the down payment was not applied to the loan in which it wasn't. This makes the contract null and void
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MS)

I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.
Consumer complaint received 2021-12-07
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. (CA)

XXXX XXXX reported two late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with XXXX acct. num. ) to have payments differed until after my orders ended ( XXXX. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called XXXX to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. XXXX customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into Experian and it did no good ). XXXX states they have no way to call Experian to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, XXXX XXXX research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, XXXX customer service and Experian to get the mess sorted out but Experian said they are not allowed to talk to third parties.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I have lived in my home since 2003. In a recent effort to obtain my annual " free '' credit report, I spotted a wrong address listed in my name as living or having lived in XXXX ... I have never lived in XXXX. 

The problem may be that someone confused my name : XXXX with my daughter 's name : XXXX who does live in XXXX. She has been receiving date sensitive mail in my name at her address. 

Please remove from all 3 credit reporting agencies any address listed for me in XXXX.
Consumer complaint received 2018-10-15
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( XXXX XXXX : MEDICAL ) XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendUp Loans LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either