davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my Trans Union Credit File online XX/XX/2022 and found very serious errors in my personal information. 

I filed a dispute online with them on XX/XX/2022. 

I received an email stating that my dispute was resolved and to click the link in the email to be taken to my online Trans Union Account to view the updated information. When I clicked the link it took me to https : //service.transunion.com and asked me to identify buses or something ( CAPTCHA ). I did so, then the screen immediately went to : ACCESS DENIED. 

So I tried again and the same thing. I tried a different browser, same thing. Cleared all cookies, cache, etc. Same thing. 

I have received 2 more emails from them about retrieving my results and the same thing keeps happening. 

I have called Trans Union per the directions of the ACCESS DENIED screen and they have not helped with resolving this issue. The representatives tell me to try another computer, or my phone, or send them a letter to request a copy of my credit report but, have not adequately addressed the situation. 

I was on the phone with them for over 3 hours today, I had to give them every bit of identifiable information they asked for just to make sure it was me on the phone and then they said to check back with them in 5-7 business days to see if the issue has resolved, after, AFTER, I read to them the information that is shown in the attached screen shot AND looked up on XXXX and XXXX and READ them the steps for resolution AND proved to them that it's not an issue with my computer system. 

In the meantime, they said, they would send me a copy of my credit report in the mail, not electronically, AND that it would take 5-7 business days to get it. They also said I will not be able to DISPUTE anything on my report except by mail. 

I think this is a clear violation of my rights.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (TX)

I was at work when I received an email from Chime at XXXX XXXXXXXX XXXX 

The email contained the following : Hi XXXX, We have attached the account statement you requested. Please be aware pending transactions will not be reflected. 

You can download your Spending and Savings Account statements at the bottom of the Settings page in your Chime app! 

You can also download your account statements at www.chime.com. Select Statements from the menu on the left-hand side and select the month ( s ) you would like to download. Your current statement will be available no later than the 5th day of the next month. 



Cheers, The Chime Team Then I received an email at XXXX asking me to take a survey regarding my call experience. 

I reached out to chime at XXXX XXXX  XXXX and I was notified that someone called with my information stating that they are me. The caller requested a statement from my bank account. 


I specifically asked for chime to put extra security measures on my account but they refused to do so. The hacker has now hacked into my mobile service service provider, and attempted to get into my email. 

Chime refuses to address the issue and I am a valuable customer. My information should've never been released.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

We feel we were not treated fairly by Comenity Bank on our Arhause Archarge Credit Card. We had mad a large purchase and took advantage of a 0 % offer. We knew we had to make pay off by the end of XXXX consequently on XX/XX/2020 we made a payment of {$4200.00} on our account. I was traveling at the time, unfortunately the amount I needed to pay was {$4000.00}. As a result of this human error of not paying {$72.00} we were charged {$830.00} in interest charges. When we were made aware of this we immediately contacted Comenity to get it resolved. Although they appeared to feel sorry for us they claimed there was nothing they could do stating if they reduced the fees for us they would have to do it for others. We escalated the matter to several mangers but no resolution. We spent over two hours on phone/hold trying for a fair resolution. We were told by Arhaus management  to keep trying because they knew for a fact they had made concessions in the past for other customers even with amounts significantly greater than {$72.00}. We continued to resolve with Comenity with out success, as a result we are pleading with you to help us in this situation where we feel we have no control but the bank is charging us excessively,
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (MS)

I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Business Revenue Systems, Inc. (WV)

XX/XX/2022 and account number is XXXX. I was patient last XX/XX/2022. 

I already have two health insurance and found out that XXXX XXXX XXXX XXXX forgot to add my health insurance : the health plan insurance including XXXX XXXX 

XXXX XXXX XXXX XXXX informed me not to pay debt owing and fixed it up.
Consumer complaint received 2020-03-17
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. (TX)

*Email from XXXX XXXX to XXXX on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with Experian on XX/XX/XXXX and received a decision from Experian on XX/XX/XXXX stating the following : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with XXXX.
Consumer complaint received 2023-02-13
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I have a car loan with Chase since XX/XX/XXXX without missing any payment, during the pandemic in XX/XX/XXXX, my husband sent a payment using the post office the payment was delayed two days and Chase refuses to rectify that and this is hurting my credit score.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I checked my card balances as I do most days. Noticed that my Care Credit was lowered by {$2500.00}. I called and spoke to several people who were rude and " couldn't tell me anything aside from it was Synchrony 's decision based on a credit report from XXXXXXXX XXXX 

XX/XX/year> it was XXXX due to the XXXX, I did pay most cards off the first of the year. By XX/XX/year> is was already up to XXXX and has only moved up since then. 

On the notice I did receive, it said something to the effect that I did not have any mortgage transactions on my report as one of things they based their decision on. I just went through a divorce and am renting until I figure out my next life move. Me not having a mortgage should not impact my credit score, that's a judgement toward my personal being. 

I used that card for XXXX  work, I had a XXXX XXXXl in XXXX that cost XXXX and I get that interest free for 6 months, which I always pay off on time. This totally messed me up for XXXX thing, I needed a XXXX, which I was putting off until I paid the XXXX XXXX XXXX Second, doing what they did, my credit score went DOWN XXXX points because lowering my limit put me at the top of the credit to card balance ratio leaving me {$30.00}. Third I was so mad at them I paid the balance off on XX/XX/year> and they still have not credited my account. 

I don't know what to do or where to go to fight this anymore.
Consumer complaint received 2022-12-31
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: Prodigy Finance Servicing, LLC (PA)

Prodigy reported 2 missing payments each to XXXX for two loan accounts when I have been in continuous ( sequential ) forbearance arrangements. Here are the details of the Forbearance arrangements : XXXX. First XXXX extension request - first repayment date will be XXXX XX/XX/2022 as per Prodigy. 
XXXX. On XX/XX/2022, I applied for Forbearance ( request XXXX ). The request got approved and I wont have to make a payment between XXXX XXXX and XXXX XX/XX/2022. 
XXXX. I got a further extension on my forbearance which stated that I do not need to make any payments between XXXX XX/XX/2022 and XXXX XX/XX/2022. 
XXXX. Lastly, I again applied for an extension which stated that I wont need to make a payment between XXXX XX/XX/2022 and XXXX XX/XX/2022. 

I have been corresponding with Prodigy since XXXX regarding the late payment issue reported to XXXX, which is incorrect. Prodigy agreed over email that they reported erroneously and they have been giving me multiple dates by when the error would be rectified by prodigy, and my XXXX Report would be updated with " no missing payments. '' It has been close to 5-6 months and my XXXX report has not been updated.
Consumer complaint received 2020-03-29
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. (DC)

Creditor reported an incorrect date of first late payment and incorrect account balance. Disputed item XX/XX/2020. I requested creditor delete account from credit file creditor did not and did not verify there reporting information. Creditor should remove this account my credit file.
Consumer complaint received 2021-04-20
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)

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-03-17
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)

Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$4900.00} To whom it may concern, Your company is currently reporting an eviction on my credit report. It needs to be deleted because this account is UNVERIFIED and I am a victim of IDENTITY THEFT. I took the liberty to go to XXXX, experian and they have deleted the eviction from their records due to IDENTITY THEFT i have proof of a person forging my signature attached to this document. 
You have 30days from the date of this letter to delete this account if you can not produce DOCUMENTS of this account being accurate. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on this eviction which is preventing me from getting residence. 
Please understand I am fully prepared to file an offical complaint with the CFPB, XXXX, and the Attorney General if you do not abide by the FCRA and FDCPA regulations. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I contacted Conns on XXXX XXXX to notify thenm that my settlement on the account was paid in full in XXXX XXXX. They said it would take 30 days for their system to reflect the paid in full status. Since then I have continued to receive mail and phone requesting payment.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. 


The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. 





Best Regards, XXXX XXXX XXXX
Consumer complaint received 2020-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account Resolution FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX {$53.00} - XX/XX/2018 The debt has been paid twice! One credit bureau removed the debt ; however, the other hasn't! I have placed several calls, sent certified letter and my attempts has been unsuccessful! Yes the amount is {$53.00} but this debt is showing as derogatory credit and I would like it removed because it was paid in full! The company cashed the money order ; however, never removed the debt! I am asking for your assistance to have the company remove the balance immediately! I can provide a copy of the certified document and my request to XXXX  balance! Thanks in advance! All your assistance is greatly appreciated!
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The debit card Capital One make me several calls day and nigth specifically saturday and sounday robot calls I owe them twso times money and as sun as I take money I paid two times more than {$600.00} dollars with all the interest I explain to them now I have health and financial problems and request some time to I can comply with my obligation of payments I have XXXX years old Senior XXXX old man, recently XXXX I have XXXX  XXXX  and XXXX  the last call was today XX/XX/2020 at XXXX XXXX  I can not sleep more today I request stop that harasing phone calls
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (AL)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2020-03-17
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX  XXXX {$220.00}
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$220.00}