davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Can not access/manage credit freeze. Used to be able to do this on their website- now their site redirects to credit report request and not even that works. Also, it directs to call them and that process leads to an endless loop where i can never speak with a representative at XXXX. They are effectively blocking my access to my credit file/credit freeze. 

Any number i call in attempt to speak with a human being leads to endless loop.
Consumer complaint received 2024-11-16
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2020-10-10
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. (OH)

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX, TransUnion, and XXXX has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, TrasUnion, and XXXX to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

4

medical collections from Commonwealth financial systems? Who are they? why i wasn't notified or informed prior of embedded them into my credit profile? {$120.00}, {$110.00}, {$230.00}, and {$150.00}????? Th ese are violations of my consumer and HIPPA/medical rights!!! - Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and XXXX  are showing closed and Equifax us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!
Consumer complaint received 2020-07-04
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. (MD)

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and Transunion are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX be deleted from all credit bureaus!
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Summit XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F XXXX XXXX old name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX County Justice of the Peace 6XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from Transunion, XXXX, XXXX, Case # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CT)

Me and my wife co-signed my nephew 's student loans for four years at XXXX XXXX  ( New Hampshire ). The lender was Sallie Mae. He XXXX  in the spring of 2019 with the loan payments being due starting in XX/XX/2019. He left our residence just as the loans became due and we've lost contact and are unaware of his whereabouts. 

Shortly thereafter, both myself and my wife began getting robo calls about every 20 minutes at our jobs from Sallie Mae. I thought they would first try to collect from the primary borrower, the student, and  was surprised they came after the co-signers so fast. To not risk losing our jobs, we have been making the payments to Sallie Mae on schedule. The primary borrower, the student, has not paid anything. 

We're both in our XXXX  and were planning retirement in the not too distant future. I called Sallie Mae and asked if they were pursuing payment of the loans from the student. They said that once they have the co-signer paying, they no longer pursue payment from their student. I find this most annoying in that the student received the education and has many years ahead of them in order to make payments. I strongly feel thatSallie Mae should continue to pursue payment from the primary borrower ( student  ) even as the co-signers are making the payments.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

I have a account with Discover Card, over the months i notice their unprofessionally business. Now on the of XXXX i had an emergency and i happen to pay the bill on XX/XX/. The bill was due onXX/XX/XXXX. however i called and see that my payment was never late they happened to fix it and it was only one day and i was the one that caught it but because it was an emergency my mind was blanked on the that day it was due. They discover promised to send me a email after the conversation after waving the late fee but never did.. 
i happen to go in my account today XX/XX/ and saw late fee {$40.00} plus the next payment due on XX/XX/ of {$81.00} which should be {$59.00}. In other words the late fee was waved so the amount added should be taken off. I called and was told the fee stays and next month that's XXXX the money come back down, which makes no sense because i am still paying the waved late fee. i need you help to look into this before the bill is due on XX/XX/. i will not pay the {$81.00} it should be only {$59.00} because the fee was taken off. this is a fraud.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation (TX)

XX/XX/2017 I made my vehicle payment and Gold acceptance/Reliant financial just came and took my vehicle. I was never over 30 days late on any payment to them. When I called them they told me I had to pay it in full before I could get the vehicle back. Then they sold vehicle and would never send me a copy of the sales receipt from the auction house. They had my account closed as a Profit and loss charge off..now it states in collections and I have been getting charged a lot for so called unpaid balance. The original balance was {$3000.00} now it's {$8900.00}. First and foremost they took a vehicle that was being paid for every month and now they are robbing people blind. 
. -- This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and experian which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX and Transunion refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello, 4, 30 day lates appear against my credit report, with XXXX, equifax and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/2022 I had all of my credit cards/ debit cards stolen from my wallet. I was at a park in XXXX XXXX with my fianc and children when our car was broken into and the thief went through my purse and took out all of my cards from my wallet. Purse was behind passenger seat and our car windows are very dark limo tinted so you can not see anything inside. Car doors were locked. 
I received a text from Chime bank on our drive home that asked if I was trying to make a charge of {$500.00} at a XXXX  in XXXX, I immediately replied no and the transaction was denied. I looked into my purse and saw my wallet still there so didn't think much more of it until I got home and looked online to see the thief did make a transaction for {$280.00} at the XXXX. I grabbed my wallet to get card out and call Chime right away and I realized ALL of my cards were stolen. I cancelled all cards immediately and was told by Chime that I had to wait until the transaction was settled before I could file a fraud claim. When I called to file fraud claim, I was asked a few questions and within an hour I received a response that my claim was DENIED. I was in shock and called back, they told me they didn't know why and I would have to wait for the investigation department to release that information so I could appeal decision. I waited for over a week and got no answer so I called again and they told me the person before didn't submit the ticket so they started over!! WOW. At this point, it's been over 2 weeks with no resolution. Finally last night I receive the reasoning and it makes no sense. My Chime card along with 5 other cards were stolen! I have never had this happen before and never filed a dispute with them. I have a police report filed as well. Chime has had the absolute worst customer service and I have already started getting my direct deposits into another bank account because I can't trust them with my money. No other company has given me such a hard time. Chime is acting as if I'M the criminal and they haven't backed me up at all. It's been such a hassle and I would never recommend anyone use this bank, your money is simply NOT SAFE there. It's already difficult enough going through all of this and the stress of losing a lot of money, Chime has made it way more stressful. I could maybe understand if it was a habitual occurrence and I had disputed charges in the past, etc but I've NEVER done that. {$280.00} for a mother of XXXX and XXXX  XXXX  XXXX  with XXXX child is a lot of money to just be taken away like this.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, 4, 30 day lates appear against my credit report, with transunion, XXXX  and XXXX  which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.