davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
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. (TX)

I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.
Consumer complaint received 2019-10-25
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. (TX)

XXXX is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with transunion and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact XXXX  regarding the issue and they said they couldn't help me with credit reporting issues.
Consumer complaint received 2021-09-06
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but experian is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2019-03-04
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: EQUIFAX, INC. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX Unknown : XXXX Unknown : XXXX Unknown : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
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. (TN)

Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NC)

In XX/XX/XXXX the CFPB issued a consent order related to Discover Student loan servicing.
My Discover account number : XXXX Discover sent me letters and a check for {$75.00} as part of the consent order. I spoke to Discover several times regarding my receipt of the check. I spoke to them on XX/XX/XXXX and again on XX/XX/XXXX.
When I received my check I deposited it into my XXXX XXXX XXXX account. On XX/XX/XXXX the check bounced in my account. XXXX XXXX XXXX told me that Discover had placed a stop payment on the check. XXXX XXXX  XXXX charged me a {$35.00} fee and a {$12.00} fee. 
I spoke to Discover again and they mailed me out another check.
I spoke to Discover on XX/XX/XXXX before I deposited my newly received check and I was assured that this current check was good. OnXX/XX/XXXX I cashed the check with XXXX XXXX XXXX. 
On XX/XX/XXXX7 XXXX XXXX XXXX debited my account for a return item fee for the check. I will once again be charged a {$35.00} fee from XXXX XXXX XXXX. 
When I called Discover they informed me that they no longer handle the refund checks and that I would need to speak from now on to the CFPB.
Consumer complaint received 2021-02-03
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)

On XXXX XXXX, I opened up a dispute with Experian Credit Services. Within a few hours they deleted the incorrect information but then lowered my credit score 18 points because of the investigation. Their reporting of the collection, even though incorrect and removed, thus affected my credit score adversely, jeopardizing my ability to secure a home loan. As a single mother, this affects not only myself, but my children. Nothing else changed on my credit report-no hard pulls on my credit, no cards opened, no delinquencies, and my score was not affected with the other two reporting agencies. This was solely an Experian response to a credit inquiry.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

My information was fraudulently used to apply for a loan. I called to have the application closed, and to be sure that my personal information was disposed of safely, and that my account was closed as fraud. they gave me the run around, and didnt have anyone that would help me, customer service wanted me to call the department, yet no one would help her.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (RI)

Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this.
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Consumer complaint received 2021-08-04
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: Bread Financial Holdings, Inc. (PA)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (WA)

I have not applied for or requested any assistance from this company. I have contacted them at least three different times not to send me fake plastic cards and loan information. They are still sending me information. 

The company is One Main Financial Phone number : XXXX Phone number : XXXX Branch Manager : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

I don't understand JP Morgan Chase i have filled this complaint out before before i like some answers to my loan. My escrow shortage, when i got the paper it showed a shortage from XXXX, and XXXX each year i paid insurance and taxes out Escrow ever year is different and if the shortage you pay it. And it starts new year of Escrow. How did JP Morgan CHASE come up with the shortage Escrow Impound Shortage : Escrow Credit : {$230.00} $ - XXXX then go to Escrow Impound Shortage : Escrow Credit : {$750.00}? when i paid in {$2400.00} in XXXX. and like to no where the corporate advance Fee ; s was paid to and who and why they was never applied to my loan but to Corporate Fee 's. over XXXX dollars and monthly payment was XXXX. When i ask about my loan from XXXX loan modification they XX/XX/XXXX PRINCIPAL AND INTEREST ADJUSTMENT Principal {$17000.00} {$17000.00} that was from XXXX and at XXXX a month would not come that amount XXXX but they payments made in XXXX. The amount is wrong .Why did JP Morgan take loan out of XXXX that added my loan to XXXX just when they was selling my loan. I want refund of Fee ; s and proof why i never got letter stating they was using my payments for Fee ; s not my home. I don't won't excuses or run around like i have been getting. loan number XXXX
Consumer complaint received 2017-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (MT)

This happened XXXX XXXX 2017- Capital One bank ... 

I want to delete this inquiry from my credit report. I didnt ask for credit in the company
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Downloaded my XXXX XXXX statement with a Purchase Balance of {$3300.00} and a Special Rate balance of {$7700.00}. Payment due date : XX/XX/2022. 

I arranged for a payment of {$5000.00} to be applied on the due date. 

Downloaded my XXXX XXXX statement which showed the {$5000.00} payment in the transaction section. The XXXX Purchase Balance was listed as {$2400.00} and the Special Rate balance as {$7500.00} I expected my {$5000.00} to be first applied to my XXXX Purchase balance ( XXXX ) and the extra amount ( {$1600.00} ) to my Special Rate balance. 

Instead PenFed VISA applied my {$5000.00} as follows : XXXX Balance ( {$3300.00} as expected ) and applied {$1400.00} to new purchases made in XXXX and {$200.00} to my Special Rate. This method of payment application means that I am also paying for charges in the new cycle and does not offer me any grace period to pay for new charges. It also means I can not rely on the statement balance when arranging for payment. 

Since my Purchase balances are paid in full, their method of applying payments will result in my having a high balance in my Special Rate account when the promo ends in XX/XX/2022- which will then be triggering finance charges unless paid off completely. 

So much for a Special Promo. Note that this was NOT a balance transfer or a XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!
Consumer complaint received 2021-02-03
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: AMERICAN EXPRESS COMPANY (GA)

In XX/XX/XXXX I purchased 4 concert tickets for a concert in XX/XX/XXXX via the company XXXX using an American Express credit card for payment. As the pandemic arose the concerts were postponed for at least a year. The tickets that I had purchased were no longer available via XXXX 's online portal. I called XXXX to find out what had happened and was told at that time that they were only a conduit for a seller and a buyer meaning they could not step in. I then called American Express and disputed the charge in XXXX of XXXX explaining that I have not received goods or services. Between XX/XX/XXXX and XX/XX/XXXX I have called American express approximately 6 times to dispute the total charge of {$1800.00}. By XX/XX/XXXX American Express had sided with XXXX in the dispute and told me that I owed the balance in full. I have not paid the balance as I have explained several times to American Express that I am not in possession of the concerts tickets they want me to pay for. Since XXXX they have charged me full interest on the balance totaling {$160.00} as of XX/XX/XXXX and reported me to credit agencies lowering my credit score. Prior to this dispute I have always paid my American Express bill in a timely manner and was a longstanding customer. Due to lack of understanding and wanting me to pay for goods or services I have not received I have closed my account with them.
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (NE)

BELOW IS A LIST OF COMPANIES EXPERIAN CREDIT PROVIDED MY CREDIT REPORT TO WITHOUT MY CONSENT THESE COMPANIES HAVE NO CURRENT ACCOUNTS WITH ME AND I HAVE NOT REQUESTED CREDIT FROM THEM. I HAVE ASKED FOR THEM TO VALIDATE THESE INQUIRES AND TO SEND ME THE PROOF FOR ME TO HAVE. THEY REFUSE TO DO ANYTHING BUT PUSH ME OFF. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-07
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Got a call from a XXXX XXXX who said she is a case manager for Portfolio Recovery Associates LLC and has a business matter to discuss. She stated that I owe a balance of XXXX for a unpaid XXXX XXXX bill. She stated that I needed to pay the balance in full and that I have 24 hours to pay or legal actions would be taken against me. I explained to her that I do n't have XXXX dollars and what could she work out with me. She said I ca n't work out anything with you unless you have the full payment. And she said well guess we 'll see you in court and we 'll get our money as we will file a motion to garnish your wages. And then she hung up.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

I filed 67 disputes worth of {$590.00} they declined the disputes have a scammed from an online casino it wasn't legit it's already taking 40 days they declined me I declined her decline so they resubmitted it again that's another 30 days into it I thought chime Bank was supposed to be decent but they also Bank with XXXX XXXX
Consumer complaint received 2018-03-23
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. (NY)

On XX/XX/17 I made my mortgage payment on line to XXXX. I always make my payments at the end of the month before 12 AM. XXXX assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/17 a little after 9 PM. ( on time ) Upon checking my credit report in XX/XX/2017, I noticed that XXXX reported that I was late on my mortgage payment for XX/XX/2017. XXXX reported that I made the payment on XX/XX/17. I immediately called XXXX to address the issue in XX/XX/2017 and the representative looked up the payment information and admitted that the error was made by XXXX and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called XXXX and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/17 and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after 9 PM and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow XXXX to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that XXXX does not valueme as a loyal customer by putting incorrect and negative information on my credit report.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

I'm not sure the exact date because trying when I send me the information I requested but sometime in XXXX I had close to {$9000.00} took out my account, when I looked up the information on chime it was somebody from XXXX and some other places and when I contacted them to stop the legal transactions they did not. When I requested for them to refund the money they also didn't do that either. When I look on my chime account it will not allow me to go back that far anymore
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (AZ)

I have been attempting to release or unfreeze my Equifax credit report since XXXX of XXXX. After, approximately, XXXX plus hours of long conversations with many different representatives I have been told different things from different representatives. Some have stated that I am not who I say I am. I have mailed, twice, a photo copy of my drivers license and social security card with a written later stating that I want my credit report from equifax. Both times they have responded that this is not sufficient and that I need to send them again. I have been told by XXXX representatives that my report is open and available yet I am still unable to access my credit report or apply for new credit. I have been told by XXXX separate representatives that I am not XXXX XXXX XXXX even though I have told them all the information that they requested correctly according to my XXXX other credit reports from XXXX, and XXXX. This is costing me up to {$80000.00} i should be saving by refinancing my mortgage but I am unable to because of the impossibly absurd business practices of equifax. Please help.