davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (GA)

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 XXXX. 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 n 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 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 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

Attempted to open a Kabbage Business Checking account in XXXX, but was perpetually asked for additional documents. Log-in for the application was through American Express XXXX 

I notified Kabbage in early XXXX that I wanted the account/application removed if it could not be opened. I was told that it would be removed within 5 business days. After this period had elapsed, the account/application was still open. After a dozen calls to AmEx and Kabbage, the account/application is still open, both parties refusing to take responsibility.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.
Consumer complaint received 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I have sent numerous request since XX/XX/2018, for the original documents showing they are authorize to collect this debt. As of today, I havent receive any response regarding verification of debt. Fed loans continue to report this debt to the credit bureau each month, thus affecting my ability to obtain credit due to the increase interest reported.
Consumer complaint received 2022-10-08
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)

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX XXXX u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX 1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-22
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: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 120 days late in XXXX XXXX 90 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XX/XX/2018 Prior to when they began reporting me late I paid off the account in full. A few months later I checked my credit report and saw they were reporting me late. I contacted Comenity Bank to resolve this issue and they told me they could not locate my account.
Consumer complaint received 2018-07-07
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. (AZ)

The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I am trying to unfreeze my credit report and Experian says I have a pin number and I do not know or remember what the pin number is. Experian is advising me I either have to send my ID in the mail or upload it online, that seems ignorant since I am a victim of ID fraud already and by doing either of those actions seems like a non secured method. The Funny thing about the entire situation is that when I called XXXX XXXX and XXXX the process they used to unfreeze my credit report was simple and very customer friendly and they processed the temporary unfreezing of my credit instantly. Experian uses a Outsourcer for there customer service also and the way my husband and I were treated was poor at best, companies should be more willing to help consumers and not be constrained by unrealistic or non friendly policies. All I want to do is unfreeze my credit temporarily and then re-freeze it and Experian is completely unwilling to assist me with this unless I jump through several hoops
Consumer complaint received 2022-03-26
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX. I request that XXXX XXXX XXXX, XXXX cease and desist all communication with me. XXXX XXXX  is mailing me document that I DID NOT REQUEST. I have attached the documents. I have not file for identity theft/fraud. I AM NOT PAYING XXXX XXXX. I did not agree to pay them verbally or in WRITTEN. I have not signed a contract with XXXX XXXX to pay the {$680.00}. XXXX XXXX can not provide proof that I signed and agreed to pay them for a debt. XXXX XXXX is reporting incorrect or inaccurate information on my Transunion and XXXX credit report. THE COLLECTION ACCOUNT is REPORTING AS A " OPEN ACCOUNT ''. A COLLECTION ACCOUNT SHOULD NEVER REPORT AS A " OPEN ACCOUNT ''. THE BALANCE SHOULD BE ZERO. My credit reports say {$680.00} dollars. Which is inaccurate because XXXX XXXX is asking for {$680.00}. A COLLECTION ACOOUNT SHOULD NOT HAVE AN AMOUNT EITHER. XXXX XXXX  IS NOT FOLLOW THE LAW of 15 U.S code 1692. I am KEEPING and COPYING ALL MAILED DOCUMENTS XXXX XXXX  MAILS TO KEEP ME for the CFPB.
Consumer complaint received 2019-06-21
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: ID Analytics, Inc. (TX)

SageStream , LLC  XX/XX/2019 Received letter from XXXX XXXX XXXX ( recently moved so set up service ) SageStream gave XXXX XXXX XXXX credit score of XXXX ( just bought a house and credit score was XXXX, so way off ) XXXX XXXX XXXX directs me to SageStream. Call SageStream and you have to leave message - no reps available which is odd. Or you can fax/email all of your personal information ( driver license, social security number, address, etc ) which is not a secure method to send this type info when you can't get a hold of anyone at the company. 

I've read similar reviews about this company ( SageStream ) providing very low credit scores - probably because they get kickback and then XXXX XXXX XXXX can charge {$190.00} credit management fee which is absurd when you have great credit. I will disputing this with both SageStream and XXXX XXXX XXXX.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank/XXXX- This account was brought to current status and payment arrangements made, yet the company is still reporting it as past due on my credit reports even after contacting the company and addressing the problem. The rep collected money from me telling me my accounts were still active, only to find out later on that my accounts were actually charged off the day before. I brought the account to current, and have been paying monthly on time, yet they continue to report to the credit bureaus that I am past due. I had TWO other accounts with them that I had the same problem with and they were rectified through this platform.
Consumer complaint received 2019-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an updated credit score through XXXX XXXX, which showed that my Transunion score had dropped 68 points. My score went from a XXXX to a XXXX the day after my bank reported our home refinance. I called the company to ask if that is a normal drop for a home refinance, since that big a drop seems like it would be a deterrent. I called the XXXX number provided by TransUnion on their website. I pressed zero to speak to a customer service representative. I explained my problem and they told me that my score is calculated by a formula that is automatic based on the information in my records. I asked if a 60 point drop is normal as that didn't sound right. I was told the same information, that my score is calculated by a formula that is automatic based on the information in my records. I asked if I could speak to someone who knew the formula and if that sum ( 60 points ) seemed correct. I was then told that nobody knows how it's calculated, it's automatic. I've worked hard to build my credit back up and this drop is disturbing and unnerving. The fact that nobody knows how this is calculated makes me feel like this is an arbitrary number that many important financial decisions are based on. I would like to know the formula, or know that the calculations are correct, and also the standard drop for a refinance. If this information is in error, it is detrimental and slanderous to my financial reputation. Thank you.
Consumer complaint received 2022-09-26
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. (IL)

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 XXXX  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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-26
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. (CA)

DeptedXXXX DeptedXXXX, DeptedXXXXXXXX DeptedXXXX  XXXX, DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedeXXXXXXXX  DeptedXXXX, DeptedXXXXXXXX  DeptedXXXX  DeptedXXXXXXXX In accordance with Fair Credit Reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This account with XXXX XXXXXXXX bank has been paid as what was agreed on XX/XX/2021. I asked for a pay to delete when i paid this account as agreed. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MO)

WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for XXXX Original creditor name WAYPOINT RESOURCE GROUP The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

I called again and I finally got an account number after they try to sell me my own credit report. 

Account number : XXXX Will be filing with the XXXX  as they are liers and scammers, I've been in prison the last XXXX  years so no way I should have this on my credit score. They lied the first XXXX times and said they couldn't find my account and when I called they found it even without my social. They ARE XXXX 'S!
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MT)

I financed a XXXX XXXX XXXX truck through a dealership, XXXX XXXX, in XXXX Montana. The Dealership, at the time, used US Bank for their financing, so the loan was through US bank. I received a letter from XXXX that I had paid off the vehicle in XXXX. I am attempting to sell the vehicle ( have a buyer since XX/XX/XXXX ). In XX/XX/XXXX, I contacted US bank to ask for a lien release letter since the vehicle title says they have a lien on it. I was told it could take 15 days to process + the time in the mail and it would be mailed to me. US bank website says to inquire if it is not received after 3 weeks. After 3 weeks, when I had not received it, I called customer service and was told by staff that it had been mailed out on XX/XX/XXXX. I have the mail app through US postal service, where I can see a photo of the mail delivered to my address each day. No documents from US Bank have been delivered. After another couple weeks, I called customer service and spoke with " XXXX '' who initially told me there was no record of the loan, but was then able to locate it. She says she spoke with her supervisor who noted that I was " just at the beginning of the period when I might be receiving it ''. She also told me that because of the amount of the time that had passed, she was sending a second copy and " putting a rush on it ''. Today ( 18 days after the last contact ) I again called customer service. I spoke with an agent, who then transferred me to her supervisor, after first telling me that her supervisor " wouldn't be able to do anything about it either ''. The supervisor was unable to tell me the location of the document supposedly mailed on the XXXXXXXX of XXXX because there was no way to track it. She said there is no way to provide an e-mail copy of the letter, which is all XXXX requests to for the title. She said she assumes they sent me a letter previously and either it was lost in the mail or I lost it. She said there is no way to track whether or not one was sent in XXXX. So, apparently 2 of the loan satisfaction letters have been lost in the mail sinde XXXX? She said I must start the process all over, and it will be XX/XX/XXXX ( date provided by bank ) before I can call to receive a tracking number, since I provided my personal XXXX account number for tracking purposes. I am XXXX XXXX XXXX and retired. I have already purchased another vehicle. Not being able to complete the sale of this vehicle because I can't get a payoff letter from US bank has created a financial hardship. Once I paid off the loan, no one at US bank seems to be accountable for satisfying their end of the deal, so I can get a clear title.
Consumer complaint received 2015-05-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.