davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (IL)

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. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 u, s.c 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than of convictions of crimes which antedatesthe report by more then 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
Consumer complaint received 2024-03-19
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. (NY)

i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately. 

XXXX XXXX {$3800.00} date open XX/XX/24
Consumer complaint received 2023-02-25
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: DISCOVER BANK (GA)

I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Consumer complaint received 2024-03-19
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, Transunion, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these addresses are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.
Consumer complaint received 2020-10-01
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. (CA)

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted Experian Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting Experian I am just given a run around, such a unethical behavior and unprofessional service.
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NY)

I been having trouble lately with the payments I asked could they please service the loan make payments lower or more time and I been misinformed but they only have me at fault for the matter I made a payment of {$520.00} and i spoke to executive and they have different explanations of why this occurred it was repossessed the next morning after I sent this payment they leave me with no option they say but to pay the XXXX the retrieve my car this is unfair to do this to anybody trying to work thru these times I'm hard working man who is being mistreated I applore u to please but a stop to this aggressive behavior yours truly XXXX XXXX
Consumer complaint received 2023-01-07
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: CREDIT ACCEPTANCE CORPORATION (NY)

Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (NC)

I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted Experian and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on Experian and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (NC)

I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Around XX/XX/XXXX I disputed Portfolio Recovery Associates on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Consumer complaint received 2024-06-08
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 do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
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 XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-08
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. (NE)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (MT)

I leased aXX/XX/XXXX XXXX in XX/XX/XXXX. I traded the XXXX in to a non-XXXX  dealer in XX/XX/XXXX because it had been in the shop for more than one month. I called Honda and got a 10 day payoff. The money was sent to Honda. Honda then added an improper {$350.00} turn in fee to my account afterward. I called my selling dealer ( Honda 's agent ) that did the paperwork, and they told me ( as they did when I originally entered into the lease ) that the fee was only appropriate when I turned the car back into a XXXX dealer to mitigate Honda 's  expenses in having to dispose of the car. I did not turn the car back in to a XXXX dealer and Honda bore no disposal expenses. I next called Honda Financial Services, which offers the most abysmal customer service and hold times of any company I have ever dealt with. They told me that the fee went to the dealer and the dealer could waive the fee at its discretion. They made me pay the {$350.00} fee, which I did. I next called the dealer and was told that they never get any turn in fee or {$350.00} back and they have no way to waive the fee in any way. I next asked Honda for arbitration and was told I had to contact the XXXX XXXX XXXX to initiate a case. I contacted the XXXX, and was told I am required to pay for the arbitration necessary to dispute the fee. Please assist me with this ... XXXX XXXX seriously is the worst company ever.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX I am a full-time XXXX student, I recently bought a washing machine from XXXX XXXX after canceling the delivery 3 times they came with the product for delivery, as soon as they put it in my unit and tested it the machine started to make a clicking sound and the dryer shakes horribly. So I asked the tech to take this back he said he can't I will have to make an exchange request and they will come and replace it but he will go and inform the relevant department to come and schedule. when I didn't hear anything for a week I contacted XXXX XXXX and they said it's been over 15 days SINCE THE ORDER so now they can't take this back all they can do is replace and exchange. i was already frustrated with their service so I told them I need u to pick this up .. because I can always order from XXXX and get the same product delivered the next day. the present condition of the machine is I can't explain as the tech said not to use it as it will be replaced.. but I still did to see what was going on the washer makes a loud clicking noise as in something inside is broken and the dryer shakes horribly during drying. I want them to take this machine back and give me my refund. i was not able to submit my response without a picture ( problems are mechanical and a photo won't capture ) so am attaching a random picture just for the response to go through. 

on XX/XX/XXXX I opened a dispute with XXXX, Just today they contacted me with the decision saying " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we did not receive valid proof or tracking that you returned the merchandise '' i have sent them so many screen shots with my conversation with XXXX XXXX they are not responding to my concerns at all they have promised 2 times they will comes to pick it up but they did not. i have a broken washing machine and dryer now and it is of no use. 

I did my part as a customer to involve my bank as soon as possible and kept them updated. the bank asked me to send them a tracking number, I explained how XXXX XXXX works is they deliver and take returns by them selfs how can I take a whole washing machine and a whole dryer and ship it myself and provide the tracking number? i don't even have the XXXX XXXX address I sent them my conversation with the XXXX XXXX where I asked for the address because I want to send the merchandise back they did not respond. Please Please help me. XXXX does not even have any one I can speak to on the phone they only do messages dor the dispute department and that takes for ever. PLEASE HELP ME I AM A STUDENT I DONT HAVE MONEY FOR BROKEN MERCHANDISE PLEASE PLEASE. 

case number : XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC (MA)

In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX closed a checking account of mine because they identified fraudulent activity. They put a fraud lock on the account. A new checking account was opened for me. 

XXXX of my recurring charges on the closed checking account was for XXXX XXXX XXXX a gas station. Before I had an opportunity to update XXXX XXXX with the new checking account information, XXXX XXXX XXXX charges were returned because of the fraud lock : XX/XX/XXXX XXXX Rewards {$8.00} XXXX XXXX XXXX {$5.00} I immediately called XXXX XXXX to tell them of the fraud lock and provide them with my new checking account information. When I called XXXX XXXX they re-directed me to their debt collector CHECKredi. I told CHECKredi the charges were returned not for insufficient funds but because my XXXX bank account linked to XXXX XXXX had been closed for fraudulent activity. CHECKredi said that I would be charged fees for insufficient funds and if I wanted the fees returned I would have to send them a letter from XXXX XXXX XXXXXXXX stating it was fraud and not insufficient funds as to why the charges were denied. The CHECKredi fees I was charged were : XX/XX/XXXX CHECKredi Return Fee {$35.00} XX/XX/XXXX CHECKredi Return Fee {$35.00} Immediately after speaking with them, CHECKredi used the new checking account number I had provided to XXXX XXXX to collect the XXXX payments of {$5.00} and {$8.00}, but also charged me for the XXXX fees of {$35.00} for each transaction. XXXX XXXX has been paid in full. 

Subsequently I contacted XXXX XXXX XXXX and explained the situation to them. XXXX XXXX XXXXXXXX provided me with letters stating that both the {$5.00} and {$8.00} charges were returned because of FRAUDULENT ACTIVITY and not insufficient funds. These letters were mailed and emailed to CHECKredi, but as of today CHECKredi has refused to return the {$70.00} in junk fees. 

I would urge all consumers to avoid doing business with XXXX XXXX and to contact the CFPB if they have been adversely impacted by the illegal debt collection and anti-consumer activities of CHECKredi.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX a bank, no longer in business reported a payment which caused my equafax score to drop by more than XXXX points. A bank I have never had an account with XXXXXXXX XXXX XXXX is the noted bank.is whom it shows reported the information. 

I contacted the bank and have a file report number. 

I also contacted equifax to dispute this and have a file number from them as well. 

My issue in this entire matter is Why does the Credit reporting agency have 30 days to keep reporting this matter while they investigate this crime?

This is pure defamation and maybe defamation laws may enter this. 
Why does the law allow defamation and character assault to go on for 30 days? 

It should be immediately removed until it is investigated! 
it is like letting a XXXX keep on XXXX XXXX until the investigation is complete. 

Now credit decisions whether cutting a line of credit or approving a loan are made in seconds, not 30 days. 

Insurance rates and other things are priced on credit scores, a drop of XXXX points could and does affect us all an to have 30 days to falsely report mistakes is ridiculous! 

With banks and most financial institutions using faceless AI bots to run programs and take decisions it will be a tragedy not to fix this faceless system before many lives are ruined. 

This is a systemic problem, not just a bank fraud issue.
Consumer complaint received 2020-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been with Bank of America since 1983. I have my HELOC with them. They recently ( Couple of months ago ) had a change of Account numbers. My account still is not updated. They show a balance owing to them and they have put chunk of payment {$19000.00} in Suspension? I talked to four reps at different time in the last month alone after holding at least for an hour. Also I sent them several E-mails via my account. Couple of times I was disconnected by reps after 60 minutes of holding. Still my account is messed up. 
Bank of America is holding my payment of {$19.00} k in suspense for last 2 months. When I talked to their rep about a month ago, she told me that if I were to close my credit line, I have a balance of {$28.00} owing to me. But I continued in the hope that subordination pending since last month will be approved. Since that talk, I have not made any transactions from this account. I just received my HELOC statement. They are asking me to make a payment of {$72.00}, whereas I have a balance of {$28.00} owing to me. 
What a sad state of affairs. You can't reach any executives. I would like the regulating body to look in to the practices followed by this bank. It is a mental torture for me. I spend sleepless nights on hard earned XXXX payments not accounted by Bank. I have spent almost 20 hours on clearing but have run post to pillar with no headway. I am enclosing statements from Bank of America for 3 months for your analysis. Thanks for the help
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent