davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My debit card was stolen around XX/XX/XXXX and I had multiple fraudulent charges that day. I let USAA know that the charges were fraudulent, they temporarily refunded me and conducted an investigation. I reported my card stolen and ordered a new one. They rejected my claim, saying there were no signs of account take over. I called and submitted another request for review ( an agent told me I needed to include the information my card was stolen ), and then it was rejected immediately ( within a day ). 

The charges are as follows : XXXX XXXX, {$9.00} XXXX XXXX XXXX, {$34.00} XXXX XXXX, {$75.00} XXXX {$76.00} XXXXXXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX, {$93.00} These charges are not mine and I am frustrated at how little help USAA has been.
Consumer complaint received 2022-11-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (NJ)

XXXX XXXX from XXXX XXXX Fl Frontline Assest Strategies told me the request to report a XXXX balance was submitted to XXXX Credit Bureau on XX/XX/, however upon contacting XXXX Supervisory Department it has not been submitted nor received as submitted. I kindly called the collection agency to get this matter resolved so that I could report to the XXXX and close the complaint. I gave XXXX the information given to me by the XXXX supervisor to contact them thru the client email andXXXX phone # given to Frontline which he refused. This has been an open dispute with Frontline for over 9 months and to resolve it only takes an email or phone call, Frontline is continuing a request to collect a debt that has already been paid and closed and refuses to contact the credit reporting agency to report the debt as XXXX balance and refuses to give me a copy of the letter showing the account is paid and closed. Therefore, continues to harass me with phone calls, emails and letters from the collection company Frontline AS. I like as a resolution request have Frontline contact XXXX via phone call or email with the document verifying the account is closed with XXXX balance due.
Consumer complaint received 2024-03-29
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. (MI)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-03-29
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. (OH)

I never applied or authorized any inquiries listed below. These are all fraudulent and a case of identity theft. Pleased delete all the inquiries listed below Under 15 USC 1681c2. Block of information resulting from identity theft XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX XXXX  I approached a XXXX dealership in XXXX California with a preapproval letter from XXXX XXXX XXXX XXXX I put a XXXXXXXX XXXX  from them through an XXXX XXXX however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XXXX  I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Had a repossession from Credit Acceptance corporation in XXXX of XXXX. I got the XXXX XXXX XXXX  XX/XX/XXXX. Had vehicle for almost 3 years car payment was {$440.00} monthly could no longer afford that payment. Also, every time I called for payment it would still say my payoff was over {$20000.00}. When I got car from XXXX XXXX in XXXX VA the car was a little over XXXX dollars after finance was added only was supposed to be little over {$17000.00}. I received a summons to appear in court in XXXX VA on XXXX XXXX being sued for over {$8000.00} by a third party agency C/O XXXX and XXXX XXXX XXXX XXXX VA for Credit Acceptance XXXX XXXX XXXX the salesman never told me nor did I see where I had to pay over a 22 % interest rate nor would have agreed to pay XXXX dollars for a vehicle that I was told was only gone cost me a little over {$17000.00}. I am a victim of Predatory Lending by Credit Acceptance. Credit Acceptance sold the vehicle in an auction in XXXX VA. I will not have a car been lost the money that I paid into the car and they have my money that I paid into car and the money that they sold car for. Credit Acceptance recently had a lawsuit in XXXX XXXX XXXX for doing this to other customers. They take people like me and do this Predatory Lending. I would never agree to pay that kind of interest on a vehicle.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX is the collection that appears on my. CRedit report is show g this collection that is not mineXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KS)

We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being XXXX XXXX XXXX XXXX XXXX, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
Consumer complaint received 2023-08-23
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. (CA)

Experian has been reporting inaccurate information that should have been off my credit. I been dealing with this issue since my identity was stolen in 2016. I have to constantly check my credit, contact debt buyers who purchase the debt, dispute the debt, and yet still the accounts that were deleted from the other two reporting agencies XXXX and XXXX remains on Experian. This has cost me my job and housing placement by me living in the state of California they normally pull Experian. I have contacted Experian, called and even sent packages to headquarters and yet and still the inaccurate accounts still haunts me. Experian is violating the law. I have spoke to a supervisor in the fraud department and she told me over the phone that the accounts I disputed were accurate. I said to her how, you did not provide me any information to validate that this is so. When I know for sure they were purchased by other companies and I disputed it directly to them and they deleted the accounts. I am submitting this complaint along with my supporting documents to prove my case. Please help me as a consumer and I truly feel my rights are being violated. I am requesting that Experian remove these accounts and notify me when this is done.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Monday ( XX/XX/2023 ) I tried to deposit some money in the drive up ATM machine. The money got caught in the ATM machine on the XXXX XXXX, the following day I opened a claim to have the money refunded, a process that takes 10-40 days. Due to the length of time I was told a temporary value was going to appear in the account while the claim processed however that temporary value has still not appeared for me. I was planning to pay rent, pay bills and pay for living things as they happen around me. Needing to wait such a long period of time makes it so that my life needs to stop happening. Is the bank willing to pay for late fees when I can't make rent? Of Course not.
Consumer complaint received 2023-07-02
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. (TX)

My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (MD)

Hi my name is XXXX XXXX and I am messaging you because paypal keeps calling, me because i have an overdue balance of {$1600.00} and i have emailed them plenty of times to let them know I can not make that full amount of the payment and the reason the amount is that much is because this person decided to put that amount of money on my paypal account and then she wanted a refund and i do not have that type of money I have a dead end job and I am a single mom of XXXX kids so if there is anyway to remove this amount off my account please do if not I can only make monthly payments but I shouldn't have to because it was not my fault she should have never gave me that money in the first place if she wanted it back I'm just saying.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Between XX/XX/2023, and XX/XX/2023, a hard inquiry was put on my credit report TransUnion. inquiry made by XXXXXXXX XXXX XXXX XXXX was added to my credit report. I have neither applied for any new credit nor put in any applications for anything nor given any company permission to make any inquiries regarding my credit.
Consumer complaint received 2023-06-01
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: Affirm Holdings, Inc (CA)

Affirm is reporting an account in the amount of {$100.00} on my XXXX credit report and credit reports I have not opened any account with them and have already spoke to two representatives of theres, one on XX/XX/23 named XXXX XXXX And most recently XXXX XXXX On XX/XX/23 at XXXX Both stated on a recorded line that there was no account linked with my personal email, phone number, and current address, XXXX XXXX even stated in email that there is no account with my email linked to this account this needs to be removed from my XXXX profile and credit report immediately as affirm already had 30 days to resolve this and it still hasnt been fixed they are not in FCRA compliance and if they try to accuse me that this account is mine I will be requesting Affirm furnish full proof proving its mine and my original wet signature signing off on taking out this loan
Consumer complaint received 2018-09-28
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. (FL)

Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.
Consumer complaint received 2022-11-29
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. (ME)

University XXXX XXXX XXXX XXXX Maine is mis-reporting accounts on my credit file. They reported a Foreclosure with a date of XX/XX/XXXX, when in fact the agreed to judgment was and foreclosure order signed by the judge in XXXX of XXXX. In addition, a home equity line shows as XXXX past due in XX/XX/XXXX, when it was charged off and rolled into the foreclosure agreement that was ordered in the court in XX/XX/XXXX. 

They are also reporting a business account of my ex-husband 's on my credit report, which currently reporting a balance of {$80000.00}. Not only is this a business account of my ex-husband 's, the balance is also incorrect- it was charged off for {$5000.00} and shows a past due balance of {$8000.00}, not {$80000.00}. 

The credit union has refused any attempts to correct this information. I have disputed the information with Experian and they keep telling Experian the information is correct. I contacted the University Credit Union lawyer, and he maintains they can not do anything. I am beyond frustrated at the lack of response.
Consumer complaint received 2023-03-27
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX  XXXX Balance : {$8700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.