davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Today I finished with the process of freezing my minor 's credit by sending three packets of requested information to XXXX, TransUnion and XXXX. XXXX and XXXX  provide forms and ask for copies of documents, which is not a problem. TransUnion does not provide a form, and requests an official copy of the childs birth certificate. I sent a copy of the birth certificate rather than an official copy, as I will not provide such a " breeder '' document to anyone outside of the governments. Please help change the way TransUnion makes it more difficult to protect our minors credit. 



TransUnion TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -One copy of your government issued identification card, such as a driver 's license, state ID card, etc. 
OR -One copy of your Social Security card OR -One offical copy of your birth certificate -One official copy of the child 's birth certificate -One copy of the child 's Social Security card -If you are the child 's legal guardian, a copy of the court document naming you as the guardian or other appropriate court appointed documents -A written request to place a protected consumer freeze on the named individuals file No form. Must include a written request to place a protected consumer freeze on the named individuals file
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with tXXXX  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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (PA)

Eight fraudulent accounts were opened up in my name via SunTrust Bank. After completing an investigation and concluding that the accounts were indeed fraudulent Suntrust closed the investigation with out closing the account. When I call to inquire about the closing of the accounts I am being told that the account are still under investigation while at the same time being told the investigation has been closed. I am going in circles with this institution and need assistance in getting this issue resolved. 
The case Id I was giving back on XX/XX/2020 is XXXX. I was alos informed that they may be a student loan opened up in my name but no details will will giving to me about the loan. Customer services representative also denied me the opportunity to speak to a supervisor regarding my case.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive requested XXXX, TransUnion and XXXX to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit acceptance car loan company charging me $ XXXX for a cont ract I did not agree to. I made no agreement with these people. I was supposed to purchase a vehicle from this buy here pay here car lot. The owner came to my XXXX XXXX and got copies of documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never signed anything with this credit acceptance company. I have tried to settle the matter with them no luck so I have been contacting the AG attorney general office for years. 
I HAVE REQUESTED SEVERAL TIMES FOR COPY OF CONTRACT WITH MY SIGNATURE SO I CAN SUE FOR FRAUDULENCE that has effected my recovery and my quality of living by effecting my credit
Consumer complaint received 2022-06-11
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)

I have reached out to TransUnion about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 

Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX 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 2018-04-11
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. (TX)

After paying a {$200.00} payday loan in full XXXX XXXX created a line of credit for XXXX dollars using information from my payday loan file. It was unauthorized and now XXXX XXXX is attempting to force me to pay. Attached is their paperwork which does not bear my signature or contain my correct banking information on the so called contract.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-22
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: AES/PHEAA (NY)

I opened a student loan with AES/XXXX  Secondary Market in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with AES/XXXX Secondary Market was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported 60-89 days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with XXXX in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added 6 more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11  months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11  months and then stops reporting it late? Also, after an investigation by XXXX, how can the company verify this information as accurate and add negative information instead of removing it?
Consumer complaint received 2018-04-24
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX bank. When I requested there was an option that had a check box which allowed XXXX  to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my XXXX credit report. I called in XX/XX/XXXX to XXXX bank and was told by the customer service rep there that I would have to dispute through the credit bureau. XXXX the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX bank to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (LA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with LoanCare on XX/XX/XXXX. They have had our authorization on file since XX/XX/XXXX. We were told today that LoanCare had contacted the borrowers mortgage broker that originated the loan, telling him that the borrower had stopped making payments and asking if they knew what was going on with the situation. 

By contacting the mortgage broker, LoanCare has released private information to a non-authorized third party and made an illegal attempt at debt collection. 

Unfortunately we have a lot of files with LoanCare right now and we are seeing a disturbing trend on all of these files where they are violating both state and federal law. Who is overseeing their training? My guess is No One. 

THESE ACTS ARE ILLEGAL AND A CLEAR VIOLATION OF THEIR SERVICING GUIDELINES. I want LoanCare fined the maximum of $ XXXX due to their purposeful and egregious ILLEGAL ACTS. ***This can not possibly be the only file LoanCare has done this on. I want them investigated for FDCPA Violations. Who else have they given out our clients private information to? 

CC : US House Committee on Financial Services Chairwoman XXXX XXXX. 
Attorney General XXXX XXXX
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NC)

I have written this company multiple certified letters demanding they provide me with proof to collect the debt they claim I owe them. They claim I owe them {$800.00}. I have never heard of this company, I never signed a contract with them, and I never agreed to do business with them. 

I have been a victim of fraud and identity theft and I believe that this debt was obtained by the company illegally. 

I have requested the following multiple times : The debt balance and original bill/documentation including an explanation of any interest charges and additional fees. 
The full account number that is associated with the debt that they claim I owe them. 
The date of default including the date of the last payment, The name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt. 
The names of all persons or entities that have purchased this debt. 

I have already submitted a complaint to the North Carolina Department of Justice. 
My next steps are to file and police report and take this company to small claims court and sue them.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

To whom this may concern, After opening a U.S Bank Business Checking and Savings account, with promotional code XXXX. I was told that in order to qualify for this promotion, I would need to do the following : " U.S. Bank is offering a bonus of {$400.00} when you open a new business checking account and complete the following requirements : Mention promo code XXXX Complete {$5000.00} in new money deposits within 30 days of account opening '' After opening up my account on XX/XX/2019. The banker who was assisting me told me that after opening both the checking and savings account, and depositing XXXX or more into the checking out, I would be paid a bonus of {$400.00} dollars deposited to my savings account within 60 days. 

I then proceeded to deposit the money off {$5000.00} on XX/XX/19. After waiting over 60 days I still did not get any type of bonus for on either one of my accounts. 
After contacting US Bank support, I was told that I was not eligible for the promotion due to not signing up during the promotion timeframe. Unfortunately their claim is not valid, since the banker, selected the promotion code as an option to be applied to my account and the end date for this promotion on his screen was TBD. Since expired promotion codes can not be applied after expiration date, the original support representative claim is therefore false. Since the branch where I signed up for the promotion offerings has closed down and the branch manager who signed me up has left the company, my only choice would be to file a complaint. I have since taken other measures complimentary to the complaint where I reached out to was to my local branch and they have filled a request : XXXX I hope that this issue can get promptly resolved, where I can still have satisfaction in doing business with U.S Bank.
Consumer complaint received 2019-03-22
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. (AZ)

XXXX and Transunion are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  and Transunion are incorectly reporting me 30 days past due on the XXXX   ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120 days late on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
Consumer complaint received 2024-02-29
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. (MI)

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DE)

On XX/XX/XXXX at XXXX in the morning my cash app account was compromised and someone made over 50 purchases in the matter of minutes stealing close to {$700.00} dollars and sending my account into a negitive status. I reached out to cash app the next day to cancel my card and dispute the charges made against account to only get the run around for the next few days. Everytime I call cash app customer service there is no one that can help me and they basically tell me to do the same things over and over. They keep telling me that I need to verify my account which I do but then when I go to dispute the charges they tell me I have to do It all over again. I even had to get my parent 's involved because when I first started my account I was a minor so my dad had to be on the account as well. They said they could do anything about the fraud because my dads name was still attached and he would have to take his name off before I dispute the charges. My dad call and ended his sponsership but cash app is refusing to takes his name off the account leaving me no way to get my money back that was taken. I found it so disheartening that I can be the VICTIM of fraud and my whole savings wiped out and the customer service team for this company to treat me as if I dont matter!!! I have files other complaint with the XXXX, as well as the FDIC because I refuse to allow this person who stole from me to keep my money and I never be refunded. I'm prepared to take this however far I need to. I am a XXXX XXXX and that money that was in my account was for my books. I really hope that I can resolve this matter but I really feel like I am getting no where. and even though my account is closed and card is canceled they are still allowing unautherized purchases to go through.
Consumer complaint received 2020-11-05
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: NATIONWIDE ACCEPTANCE LLC (AZ)

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. After doing so, Nationwide has consistently reported erroneous information on my credit reports. Currently, on my XXXX report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This account was settled and legally paid in full in XX/XX/XXXX. I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XX/XX/XXXX and immediately settled it once I became aware that it was due. For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit. 

THEY POSTED SIX CHARGE OFFS ON MY CREDIT REPORT. AS A RESULT MY TRADELINE FOR THIS ACCOUNT IS REPORTING 60+ DAYS. THEY POSTED OTHER INACCURATE PAYMENT INFORMATION ON MY CREDIT REPORT. 

NO PROOF OF CONTACT TO ME VIA PHONE OR OTHERWISE! 

AGREED ACCOUNT WAS SETTLED FOR LESS THAN FULL BALANCE, NOT THE ISSUE. 

NATIONWIDE HAS BEEN NOTIFIED SEVERAL TIMES WHAT IS INACCURATE. 

THIS IS MY LAST ATTEMPT TO SEEK REASONABLE RESOLUTION BEFORE ALL RIGHTS WILL BE ENFORCED.