davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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: ID Analytics, Inc. (FL)

I applied for an XXXX Mastercard on XX/XX/19 and was denied credit based on information contained within my report from Sagestream , LLC. - a company I had never heard of until today. The denial reasons given were : " Consumer associated with too many phone changes, days since most recent inquiry, inquiries did adversely affect the score, limited history for consumer at this phone ''. Furthermore, the reported credit score was XXXX - nearly 300 points lower than my scores with all three major credit bureaus. I find this denial to be absurd and grossly inaccurate considering I have two other credit cards with the same bank that issues the XXXX credit card ( XXXX XXXX  ) that have been in good standing for many years. When I attempted to contact this company to request a copy of my report to review the obvious inaccuracies it must contain, I could not get through to a live individual and was directed to leave a voicemail message or to submit my request via their website. Upon looking at their website, the requirements to obtain a copy of my credit report were as follows : A. Required Information Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) B. Proof of Identity Documentation For security purposes, to confirm your identity, please include with your written request : a legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

This is completely unacceptable. Consumers should be able to first of all speak with someone when calling regarding concerns about their credit report and secondly should not have to submit hard copies of any identification considering the company should already have this information on file since the information they provided was used to deny my credit application.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  - Date : XX/XX/2022
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

I have been disputing 5 charges of {$100.00} each. These charges were unauthorized by me. I disputed these charges with Barclays MasterCard. After nearly 5 months and multiple paperwork submissions, I was required to escalate to " The Office Of The President '', located in XXXX, DE. 

I provided a copy of the exact program that I had enrolled in with their merchant. That document solicits a " Free Membership ''. No ambiguity whatsoever. That is what I signed up for. In response to my dispute of these charges, the merchant provided Barclays a one-page portion of their " Terms and Conditions ''. This incomplete document had multiple handwritten notes, hand-drawn boxes, underlines and asteriks. This document did not reference my name, credit card information, service, product, or cost of product.

I received nearly a dozen written response statements from Barclays stating that my dispute and rebuttals were being denied based solely on this document ( partial, redacted, handwritten, one-page portion of merchant 's " Terms and Conditions '' ).

Additionally, the merchant provided Barclays with three ( 3 ) different examples of the cost of their " services '' in dispute. None of the three service costs were representative of the unauthorized charges to my Barclays MasterCard. My unauthorized charges were a fourth ( 4th ) and different amount.
Consumer complaint received 2020-02-13
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. (TX)

My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The last week of XXXX I had called and was provided with the pay off amount of my credit card with Capital One. I was informed that the pay off amount was {$8.00}, XXXX. This amount was also placed on the Capital One Application as well. I was working with a local bank and provided them with this amount. A check was cut by the bank and sent certified to Capital one in the amount of {$8400.00}. This payment was posted on XX/XX/2020. On XX/XX/2020 Capital One placed an interest fee on my account of {$160.00}. I contacted Capital One on XX/XX/2020 and spoke with a supervisor " XXXX '' who informed me that he has no record of this call, and due to this he would not be able to remove the charge. I informed him that the account was paid in full and had a XXXX dollar balance and how could he charge me, two days after a full payment. I asked for XXXX 's boss and he told me that he was the highest there could be I told him no, that everyone has a boss. XXXX stated they do not have contact numbers, I stated how else can they be contacted and he stated they can't. Now I am stuck with another charge after doing what I was supposed to and paid a pay off fee of {$8400.00}. This company takes advantage of its consumers and financially abuses their power. All I wanted was the fee to be removed it is clearly stated in back and white and they still are charging me for something that was paid off.
Consumer complaint received 2022-12-15
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2022-03-21
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: MUTUAL OF OMAHA MORTGAGE, LLC (CA)

I was talking to a lender over the email and he pulled my credit without my consent or written approval. Upon asking for reason he mentioned its in disclaimer and ignored to help with the issue.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX reported to Trans Union that I have a balance of over {$12000.00} when I have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take 60 days or more and in the meantime, my credit score is down in the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake. 

It is possible the mistake was on TransUnion as the XXXX other credit reporting agencies do not have the debt listed as far as I can see.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (CO)

My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My name is XXXX XXXX I went to sun trust bank with my tax refund check to open an account the keep the check after few days I recieve a note that the check is on hold and the close the account because I don't qualify. my question is why they still keep my check I'm NOT costumer of sun trust I need my money that is my kids money again if I don't qualify to open account why sun trust bank still hold my check. this is not professional.
Consumer complaint received 2022-07-05
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. (AL)

My identity was stolen and this credit card has been open in my name without my consent fraudulently. My FCRA are being violated the company continue to report fraudulent information on my credit report. The address this account in isnt my address. The account isnt my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

In XXXX, Westlake Financial financed my XXXX XXXX for 48 months. I was not aware Westlake Financial built its wealth by feeding on middle class consumers with less than perfect credit. It was not enough my interest rate was 17.39 %, when I became ill and started having financial difficulties, representatives were not customer friendly. Many of them would threaten to repo the vehicle unless an extension was agreed upon. When the vehicle was within a year of being paid off, Westlake efforts to repo the vehicle increased. Once we called to get a payoff on the XXXX to cut cost with a cheaper vehicle, however the representative refused stating a payment need to be made. When he did not receive the payment, had our vehicle picked up claiming we requested it because we were purchasing another vehicle, which caused us to have to pay over {$2500.00} to reclaim the vehicle. Shortly after, Westlake repossessed the vehicle again, after I had made a {$400.00} payment, which costed us over {$2500.00} in fees to reclaim the vehicle. Complaints were filed on both incidents, however after reading the article in the XXXX XXXX XXXX, I discovered Westlake promotes unethical tactics by representatives. I contacted Westlake on XX/XX/XXXX, concerning the balance of the balloon payment due to the payment extensions. I was told if entire balance was not paid by XX/XX/XXXX, the vehicle could be picked up. I did not understand the {$7100.00} balance and I knew there was no way I could pay the entire balance by XX/XX/XXXX. I had to file Chapter XXXX.
Consumer complaint received 2020-02-13
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. (GA)

hello in XXXX i tool out a personal loan, about 5-6 months later i lost my job.. 

well when i got a new job a couple months later i tried to work with them on saving this account and they was rude and talked down on me so i decided to have my attorneys deal with then.. XXXX XXXX XXXX at the time.. 

but i been trying to figure our and my my score dropped dramatically in XX/XX/XXXX i just found out by equifax that they keep reporting and sending different information. 
this account was opened in XXXX yet they state it was opened in XXXX also they changed the closed date so no it shows open they keep sending charge offs every month making a huge impact on my credit report.. 
i have been disputing multiple times and no justice. i just spoke with transuinoin today and was told they can see inaccurate information but they do not have the power to change it.. they also say they do not get documents proving any data, they simpley send the request to the issuer and they rely on there words..
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I cashed a check from my XXXX account. It was flagged as fraud. I never received any information saying my account was locked. Once I found out I came to the bank to find out what was wrong. Was informed of the situation and was told there is nothing they can do and I would have to wait for an analyst. I could not touch my direct deposit from work. I got an overdraft fee because I could not touch my money. And its been almost 2 weeks now and nothing has changed. I was told by the fraud department to come into the branch and they could release my deposit for work. The branch told me they couldnt help me. The money has been sitting in the account now for several days but continues to stay locked.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Consumer complaint received 2022-07-05
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. (GA)

XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX '
Consumer complaint received 2022-07-05
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)

XXXX payment history is reporting inconsistently. 

XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Transunion says late 'XXXX '
Consumer complaint received 2024-03-07
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is violating 15 usc 1681b2 and rule 9037 privacy protection for filings made with courts. They have also violated 15 USC 1681i ( a ) for a failure to conduct a proper investigation. I have tried multiple times to resolve this issue for TransUnion to investigate these 2 bankruptcies. The first letter I sent was for them to re-investigate on XX/XX/XXXX, and verified. However, on XX/XX/XXXX I sent out a follow-up letter requesting the description of the investigation pursuant to 15 USC 1681l ( 7 ). XXXX and TransUnion have both deleted the 2 bankruptcies from my credit report yet TransUnion still hasn't removed it. There is absolutely no way that you can prove to me that this bankruptcy is mine. Rule 9037 Protection for filings made with the court states requires certain personal identifier information to be Redacted from documents filed with the courts. Filing that contains an individual social security number, Taxpayer identification number, date of birth, name or minor, or account number may include : 1. The last 4 of the Social Security Number and Tax Identification Number 2. The year of the individual birth. And the last 4 digits of the financial account number. There is no way you can say with certainty that this is my bankruptcy without this information. This needs to be removed immediately as the rule of 9037 is saying. This information is not permissible. These two bankruptcies need to be deleted from my consumer report for violating 15 USC 1691i failure to conduct a proper investigation purpose. 15 USC 168i ( 7 ) failure to give a description of investigation and rule 9037 privacy protection from the courts.