davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unable to obtain my free annual credit report from TransUnion credit reporting agency. Made 5 days worth of attempts online via XXXX. Had absolutely no issue obtaining my credit reports from XXXX or XXXX online. I called the phone number associated with XXXX to request my credit report be mailed to me. I recieved the report in a timely manner only to read my TransUnion report had been " SUPPRESSED ''. I called TransUnion and spoke to 4 individuals that were unable to get my report sent to me. The last individual said he was the highest ranking official at his location. And that it was TransUnion that " Suppressed '' my credit report. I asked him to release it and he said I had to mail in a copy of my Social Security card. I am NOT comfortable with that! He gave me the phone number of their home office. After leaving 3-4 recorded messages ... .... still no return call. Gives me pause to wonder why a powerful credit reporting agency can operate what appears to be a scam/ sham operation. I never requested a credit freeze or any other similar service. I just simply want a copy of my TransUnion credit report as I am entitled yearly.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have mailed Experian multiple disputes the past XXXX months with my name, and address regarding the inaccuracy of my credit report. And yet Experian failed to adjust, and correct my credit report. Instead, Experian have been sending me a lots of stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to remove the accounts in dispute.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

on XX/XX/XXXX i try to open a business account, and i was turn down by the bank because, on XXXX us bank report information about a negative account activity to consumer reporting agencies ( CRA ) but i believe and have evidence to prove this information is inaccurate. and i try several times to solve this misunderstanding on the past. every time i receive a note on the mail i will call the number provide to my on the note but no one ever call me or my husband back. i went to the branch where we open the account try to speak to the manager but was turn away, at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX this was a clerical error. 
i had to pay rent and i needed to make a deposit. i ask for a cashier 's check it was late in the day the lady at the front desk told me to avoid NFS she would do some tricky banking movements i dint really understand but she said this would work, several days later i was alerted by overdraft charges i file a dispute and deal with it to my understanding i close my account on XX/XX/XXXX and was told no further actions were required. 

but here i am trying to open a business account and unable to do so.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (VT)

Transitioning from Simple Bank to BBVA USA. I, like others, tried to access my " new '' ( or transferred ) account through BBVA using the exact instructions given and encountered several different types of errors. Tried to contact customer service 8x times over the next 2 days and was either hung up on or otherwise unable to reach anyone. I've currently been on hold for greater than an hour and still haven't been able to reach anyone. The only useful information I've been able to find is through XXXX from other people going through the same thing. This entire situation is completely unacceptable and bordering on criminal negligence on multiple levels. Why would any financial institution transition a massive number of users on a Saturday in the first place? Being unable to access funds during, you know, A GLOBAL PANDEMIC when many people are facing financial hardship is beyond concerning on it's own, but then to hear nothing from the company takes it to another level.
Consumer complaint received 2022-08-18
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. (TX)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Consumer complaint received 2022-08-18
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)

XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Consumer complaint received 2022-03-09
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. (IN)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX Date XX/XX/2020
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB (IN)

On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX personal electronic transportation vehicle. I was alerted that Klarna was available with a 24 month payment plan. I paid a {$79.00} deposit and financed the remaining {$1900.00} balance through their terms. I attempted to log into Klarna numerous times to view the repayment agreement and start making my payments. The repayment never showed. I attempted to call Klarna several times and was told there was not a record of my purchase. They advised that it could be due to the product wasn't delivered yet so to wait until it delivered and check my account after. The product delivered in XX/XX/XXXX. I checked my account and still nothing was available related to this purchase/repayment. I called again and was told they would review and contact me back. I provided my initial order information, but was still advised there was nothing available in order for me to make my payments. I received no help whatso ever through the calls. Until XX/XX/XXXX, I had received no calls or letters from Klarna relating to my purchase. Then on XX/XX/XXXX I received notice that I was now two payments behind and that " if we do not receive a payment of {$200.00} by your upcoming due date, it can mean that you have broken the terms of this credit agreement. This could result in your outstanding balance being sent to collections, which could affect your ability to obtain credit in the future. '' I immediately emailed XXXX with my reference number of XXXX. Someone named XXXX responded. They advised that since I was not able to log in using XXXX, then I needed to create a new account. I did as instructed in the email. I provided the new email address associated with my account and a message that I was not able to add the order number so that I could make a payment. I received no response to this email. I followed up again on XX/XX/XXXX with no reply. It is now XX/XX/XXXX and they letter indicated I had to make the payment by XX/XX/XXXX in order to avoid the credit penalties they threatened in the letter. It almost the time of month that credit reporting for the following month is reported and I am scared they are going to report me negatively at 60+ days late, even though I have made a numerous attempts to get my payments made. Not once was I ever offered to make a phone payment, but mentioned that I am not opposed to that if necessary but would like to have access to my account beforehand to make sure everything was correct, as nothing on this account seems to be going right up to this point. I have only been told to log on to my Klarna account to make a payment. If I knew this would have been the outcome of using them as a credit source for purchase, I would have just paid the full {$1900.00} balance myself to the company I purchased from and saved myself the interest and headache from this whole months long joke of an experience.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/XXXX 60 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-18
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: Carter-Young, Inc. (PA)

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing Carter-Young, INC to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo sent me a notice on XX/XX/2018 requiring additional flood insurance on my home and stated if they placed it the cost would be {$9.00} annually. They then charged me XXXX which is an increase of 700 %. When I called to question the amount I was told they can do anything they want.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Convergent Resources, Inc. (NJ)

Convergent Outstanding does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. I still have not been provided with the validation letter Convergent Outstanding keeps saying they have validation but is never mailed one to me and did not advise me of my right to dispute. Convergent Outstanding advised that they would cease reporting to the credit bureaus is a forming of pursing collections.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent Experian about several items I am disputing like XXXX  XXXX Discharged bankruptcy that being reported I have contacted them several times about this matter i have supplied them letter from the courts and from the creditor to have the items removed especially the XXXX XXXX  Experian uses XXXX as there source for 3rd party and I have sent them a letter from XXXX advising there nothing in there systems of a XXXX XXXX also there a automobile with XXXX XXXX that need to be removed off entirely as well plus a letter a creditor XXXX XXXX XXXX XXXX to have the item taking off as well
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I had a credit card with XXXX, when they went out of business they transferred all of their accounts ( Good standing accounts ) to XXXX. They have been a nightmare and operate in a disgusting manner with lies and fraud. My account was set up for auto pay when it was transferred I was not aware as XXXX sent a letter to my previous address. I first learned that they had the account when they dinged my credit for non payment. I disputed the charge and contacted them and found out that they took over XXXX accounts. I let them know I did not receive the transfer letter and I would pay the past due amount as I was unaware this was not being autopaid. The supervisor said they would wave the late fee 's and I would be back on track. They never waved the fee 's. Then I set up auto pay with them ... it took 2 months to kick in. So i speak to another supervisor who says ok we will wave this late fee... they never did. I spoke to supervisor after supervisor and received 100 's of harassing calls when my account should be in good standing and they are ruining my credit history with lies. They even say on my credit that I am late and have an auto loan. I reported XXXX to the XXXX XXXX XXXX and after much back and forth XXXX finally agreed to fix their mistakes. However instead of this being fixed, it continues to be reported as late on my credit report. I have not been able to refinance my home because of this and I have had my existing creditors reduce my limits because they believe I am defaulting on my obligation. I disputed the issue with the bureaus but they continued to return it to me verified. I have been hurt tremendously by this companies false reporting. I am suffering extreme XXXX  behind this fight I have endured with this company. I am now on XXXX because I dont know what else to do to fix this. They are costing me my health and my financial well-being. I am scared my other creditors will drop me because of this misreporting that this company will not fix. After they said they would fix it, they still reported me late. Please help me.I have included the letters from the XXXX.
Consumer complaint received 2019-04-07
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: Credit Karma (AL)

I viewed an hard inquiry on my credit report from XXXX Dated XX/XX/2018. Couldn't track down the address or who to contact. According with the Fair Credit Reporting act I am requesting that they met and demonstrated that their hard inquiry for XXXX XXXX met the requirements, pursuant to the Act.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX To whom it may concern : I was just looking over my credit report and found some addresses thatappear to be incorrect. I enclosed documentation providing proof of mycurrent address, as instructed to do on your website. To make your process ofdeletion easier, here is a list of the incorrect addresses that I am currentlyseeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX Nc 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 There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX Nc, XXXXXXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. Myname only has one correct spelling, and there should be no variations listedbecause my name has no variations. My photo ID is enclosed to show thecorrect spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Please remove inaccurate employers as well as listed below:1. XXXX XXXX XXXX. 


Once you have deleted the inaccurate names and addresses from my creditreport, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Fraudulent accounts & Inquires reporting on my credit report XXXXXXXX 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 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 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 2019-09-18
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: EQUIFAX, INC. (PA)

XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.