davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (VA)

I got a new phone number, and now I can not access my chime account. They keep asking for all of this information that I give them, and they say it's not good enough. Their next step is to freeze my card, which means I can not access my XXXX funds. Which means I can not do anything, even feed my child. 

I have already given them everything that they need, I need you to make them unlock my account. If they don't do it by Tuesday, I missed a very important High School graduation. I have to travel out of state to attend. Chime Bank isn't even a real bank, so they don't need to be carrying people who are already poor enough through all of this drama just because they changed a phone number.
Consumer complaint received 2023-03-11
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/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
Consumer complaint received 2023-03-11
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. (GA)

The unverified account indicated below continues to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$4100.00}
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MO)

I simply would like to remove the freeze placed on my account. I have attempted to do so online to no avail, therefore I contacted Experian via phone and each time, the call was disconnected. 

I am unable to utilize my credit due to a lack of unavailability on their part. It is unacceptable.
Consumer complaint received 2022-05-29
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has 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 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I made a purchase for an XXXX product with a special promotion for {$2900.00} with no interest fees if its paid in full in 24 months. Within Barclay bank promotion, If purchased is over XXXX, I have 24 months to pay it off with no interest. On XX/XX/XXXX, My account got charged three interest charges purchase of {$900.00}, {$76.00}, {$73.00}. I had call Barclay, multiple times, requested complain submission to a higher management but my calls had been dropped, and they do not want to make any responsibility towards this,.
Consumer complaint received 2022-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX  of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, EXPERIAN, and XXXX. I wish to have this deleted complete per request and law.
Consumer complaint received 2022-01-24
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. (SC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc (GA)

Son paid for one month gym membership, was told credit card will not incur recurring monthly charges. Come XXXX card was billed, when we called we were told cancellation will be processed and charges stopped. Billed again in XXXX and called gym yet again to find out what going on and XXXX XXXX who processes their payments. Gym claims he submitted paperwork and XXXX XXXX won't do anything.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, XXXX, and EQUIFAX. I wish to have this deleted complete per request and law.
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unifin Inc. (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. 

The following United States Codes UNIFIN has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, UNIFIN XXXXlaims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, UNIFIN claims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by UNIFIN INCORPORATED doing business as UNIFIN on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX and UNIFIN doing business as UNIFIN is now civilly liable to pay me for the damages.
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (SC)

There is a phone bill for XXXX XXXX on my credit report that was never opened. Its been there for years and has hurt my credit and ability to get credit. I have disputed it 4 times, called the collection agency 2 or 3 times. Called XXXX who verified the account was never executed.
Consumer complaint received 2023-10-17
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting many unauthorized inquiries without my consent. I have reached out to following companies below for removal including I have contacted TransUnion, however TransUnion has refused as well as TransUnion did not provide my sign consent for any inquiries listed below. 



XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XX/XX/2022
Consumer complaint received 2022-01-24
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (IN)

Stronger & Stenger PC. I received a letter saying they were a collection agency trying to collect on an alleged debt from XXXX XXXX. XXXX XXXX had never been able to prove to me they had produce a legal loan coming from their own funds. So they sent my name to this collection agency. I had never contracted with this company, nor give them permission to contact me. I asked them to show the proof to me, where I contracted with them. They were unable to do so. For their convenience, I sent the paper work I had sent XXXX, which XXXX XXXX never answered my questions. Instead of speaking with XXXX XXXX and having them answer my questions. ( Which would prove XXXX XXXX produced a legal loan that complied with the Truth and Lending Act. ) They continued collection efforts on the alleged loan they can not prove XXXX XXXX allegenly legally loaned. Now they are working with XXXX XXXX to produce a lawsuit.
Consumer complaint received 2021-12-16
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. (NY)

I have written to Equifax to bring to their attention inaccuracies in my consumer report that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer, I am exercising my right to dispute this information. According to the FCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ).
Consumer complaint received 2019-08-01
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-05-29
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. (PA)

15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (PA)

15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In reference to this Complaint number ( XXXX ) that was submitted on XX/XX/2022 and a response from Experian on XX/XX/2022 stating a reinvestigation would take place, giving them XXXX. It is now XX/XX/2022 and has been pass 30 days with the reinvestigation results. That is a violation. 

I have asked for description of procedure of the dispute that was investigated. The representative on the phone said Im not allowed of such information. According to 15 USC 1681 ( G ) ( A ) I have the right to know everything on my consumers report.

I have asked them to verify the payment history on this account and they have failed to do so.
Consumer complaint received 2022-05-29
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. (WI)

Aidvantage XXXX Department of Education XXXX XXXX XXXX sent me an email about a subsidized student loan being behind on payments during the mandated student loan freeze going through XXXX. 

Email contents : " XXXX, we haven't received a payment from you. 

Life is busy- and we know it can be easy to miss a payment, but falling behind can have real consequences. Please make a payment today! 

Make a Payment Payment can be made online, over the phone or by mailing it to Aidvantage XXXX Department of Education XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. Make sure to write your Account Number on the check or money order. 

If you need help staying on track or you're struggling to make payments, we have options. 
icon Enroll in Auto Pay- never miss a payment. 
icon Lower your Monthly Payments - Income-Driven Repayment plans may help make your payments more manageable. Eligibility depends on your income, family size and loan program. For more information, visit StudentLoans.gov/IDR. 
icon Temporarily Postpone Payments - deferment or forbearance options may be available to provide some relief depending on your circumstances. 
Log in to your account to read the important details about your account status, potential consequences if the delinquency continues and ways to bring your account current. 

We're here to help Visit us online at aidvantage.com or call us toll free at XXXX to discuss the options that may be available to you. We're here to help you Monday XXXX XXXX XXXX XXXX XXXX., Tuesday - Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX ET. '' When I logged into their website, they had an alert up : " Youve missed 1 payment.

Pay Now or Contact Us Need help avoiding delinquency or default? " Looking at my accounts, they were listed as " past due ''. 

This list of warnings and instructions made me pay the " past due '' amount, even though the loans are by law not required to be paid right now. Their deceptive warnings thus cost me well over {$1000.00} in immediate cost. It wasn't until after making a payment I saw a small notice on the top of the page saying that there was a student loan freeze in effect, but that was not included in the email saying I was behind and needed to pay.
Consumer complaint received 2022-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with TRANSUNION, XXXX, and XXXX. I wish to have this deleted complete per request and law.
Consumer complaint received 2022-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

On XX/XX/2022, my car was a total lossXXXX XXXX XXXX was immediately ready to pay the loan off. I retained the law firm of XXXX XXXX XXXX to communicate with the finance company, Global Lending Services, so that I could get the loan paid off and collect any money due to me. The law firm tried to get XXXX to communicate and work with them to get XXXX ' loan paid and get me my remaining money owed but XXXX continuously refused to cooperate with my law firm ( see emails to/from XXXX attorney and my law firm 's paralegal ). For month 's XXXX ignored my law firm and continued to bill me monthly payments on the loan. This caused an extreme hardship to me as I was involved in an XXXX, off from work, and could not afford to pay a loan that should have been paid off months ago. If it were not for XXXX ' incompetence, the loan would have been paid. Additionally, they ruined my credit by showing me late for two car payments with them ( one that should have been paid off long ago if not for their lack of cooperation and due diligence ) because they are holding over {$2000.00} of my money and refusing to return it to me. I would like to ask that they be fined for their unethical actions.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.
Consumer complaint received 2019-11-25
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: FACTUAL DATA CORP. (PA)

FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX   XXXX XXXX XXXX WA XXXX XXXX 2. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA , XXXX 3. Factual Data XXXX Factual Data XXXX PA XXXX XXXX 4. XXXX XXXX XXXX  XXXX FL XXXX XXXX 5.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX 6.Factual Data  XXXX Factual   data XXXX PA, XXXX