davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Credit reporting 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. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-12-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am filing a formal complaint against Credit Acceptance Corporation and their agent, XXXX XXXX XXXX, for predatory lending, improper notification, and mishandling of my personal property during repossession. 

Complaint Details Predatory Loan Terms : My loan carried an excessive 22.99 % APR. After two years of payments, my balance remained at {$15000.00} due to unfair interest allocation. 
Improper Notification : Repossession notices were sent to an outdated New Jersey address, denying me my legal rights. 
Unlawful Repossession and Property Mishandling : XXXX XXXX XXXX charged me {$35.00} in cash to retrieve my belongings but refused to let me access my debit cards in the car. 
My belongings, including laptops, Social Security cards, and my birth certificate, were thrown into open bins in the rain, damaging them. 
I was threatened that my property would be trashed if not collected immediately, leaving me stranded to borrow money for emergency transportation. 
False Reporting : My car was falsely labeled as undrivable, despite being fully functional.
Consumer complaint received 2022-07-13
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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (NC)

XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/
Consumer complaint received 2023-01-26
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. (NY)

I have loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-19
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. (PA)

After careful review of my most recent consumer report it, it has been brought to my attention that XXXX XXXX XXXX  XXXX Account # XXXX, Amount {$17000.00} has violated my consumer rights. 

After review of the Fair Credit Reporting act Fair collections and outsource has viloated several of my consumer right and also have reported inaccuracies on my consumer report. 

VIOLATION - 15 USC 1692 ( B ) VIOLATION - 15 USC 1681 ( 4 ) VIOLATION- 15 USC 1692F- UNFAIR PRACTICES VIOLATION- 15 USC 1681 ( B ) VIOLATION - 15 U.S.C 1681 ( A ) 5 I, the consumer has reached out to both the original creditor as well as the credit reporting agency on several occasions to recity this inaccuracy. I have also filed an FTC report informing the consumer reporting agencies that I have never held a account/contract or any form of communication with XXXX XXXX XXXX XXXX. I have requested a investigation also be completed that was not accurtely done. 

Attached you will find several findings based solely off my research as follows : FTC affidavt, Cease and Desist letter, ID of consumer, copy of most recent credit report.
Consumer complaint received 2022-09-19
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-06-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I opened a XXXX Savings Account with WELLS FARGO. In which I deposited {$1000.00} and a card was linked to my account. My card was being shipped for this new XXXX account, and then on XX/XX/2022 my account was notified for insufficient funds and found that all of my money was taken out throughout three different transactions. One for {$800.00}, one for {$180.00}, and one for {$14.00} plus the ATM fees. Once I found this out I called the fraud claim department to report this fraud and the employee began to question me about this to submit my claim for investigation. After 7 days I called to check the status of my claim, come to find out it was closed and were not detailed on that information. I had told them that I never had the card at the time of the possession, and that the only card I had in my possession was my checking account card. I had told the lady the day I reported the fraud, that I never had the card linked to the XXXX account and I only had my checking account card. The XXXX card was " shipped '' and I never received nor did I activate it. I had told them I was shopping with my checking account card, and there's proof on my account of where I was at the time that I was shopping. Whereas the XXXX account card was an entire XXXX minutes away according to the zip code of the transaction. I tried telling them that there was more evidence that could be used by utilizing my location of my authorized purchases using the information of my checking account but they said there was nothing they could do. 

The day I first reported the claim, I made sure the let the employee lady know that I only had my checking account card, and I had never even received my XXXX Savings Account card. There was obviously confusion on her end, causing my evidence and my word to be thrown off to the side.
Consumer complaint received 2022-07-13
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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

It was brought to my attention by my postal carrier that a change of address had been submitted in my name on XX/XX/XXXX. Once clarified that this was fraudulently submitted, he gave me mail that was set to be forwarded. In receiving this mail, I found a Bank of America credit card that had been opened in my name. The credit card was fraudulently opened in my name on XX/XX/2022 with a credit limit of {$4000.00}. I have notified Bank of America and they have closed the account and stated that notification would be sent to credit agencies. I have filed for credit freezes at XXXX, XXXX and XXXX and also have disputed the BOA credit card on my credit report at all three agencies. XXXX XXXX XXXX XXXXXXXX  was also notified about the fraudulent change of address request, my postal carrier was going to report it to his manager and a fraud report was filed with XXXX XXXX XXXX XXXX XXXX. Lastly, the local police have been notified and I am currently waiting to complete a police report.
Consumer complaint received 2022-07-13
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. (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 719XXXXXXXX  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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, a client sent money via PayPal to pay a deposit to reserve dates for my vacation rental. PayPal requested a tax id to confirm the transaction and stated ID verification would take 15 minutes. Thereafter, funds would be released to me. It's now been 3 days and the funds have NOT been released to me. I called PayPal this morning. They stated that there are systems issues and there is no time frame on when this " issue '' will be resolved. This is completely unacceptable and illegal! They are withholding my money and I'm sure thousands of other consumers.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called XXXX XXXX on XX/XX/2022, about them placing my old, secured card on my credit report. I closed the secured card last year, and they reported to the credit bureaus that the account was closed. I was informed the last week of XX/XX/2022 that the account was reported back to my credit report as being opened and closed again, When I called XXXXXXXX XXXX on XX/XX/XXXX, the representative ( XXXX ) informed me that the account was still open. I told XXXX that I called in last year or earlier this year to have the account closed and why it has not been closed. XXXX could not answer that question. I then asked why they reported my account as being opened the last week of XX/XX/2022, and he told me that since I had not made a deposit in the last six months, the company reported the account as a new account and closed it. The answer I received from XXXX made no sense to me, so I asked to speak to a supervisor. XXXX placed me on hold and came back to the phone and informed me that they were too busy and that a supervisor could not take my call. I had a tough time believing that there was no supervisor that could take my call because I called when they first opened in California.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally report that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and permanently deleted from my credit report : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5100.00}
Consumer complaint received 2023-05-02
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX
Consumer complaint received 2022-07-13
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. (IL)

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 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express close my personal credit card and two of my business credit cards without any notice. Ive been battling XXXX for the last year and receiving XXXX treatment. I was incapacitated to keep track of my finances at that time. My former accountant did not stay up on my finances at all. In fact, I had to close a few bank accounts to sue fraudulent activity from my former accountant. I was numerously harassed by American Express with constant calls every single day. They closed my accounts and provided no reason as to why. Now that I am in a better health situation I told them my financial affairs are in order. But they still moves forward and close my account without notice and/or my permission.