davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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. (CA)

After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

TRANS UNION 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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)

HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Today I was made aware of fraudulent accounts/reporting on my credit report, I called in to Experians ( XXXX ) phone number to have these three misspellings of my name removed because I am unaware when it happened, or under what circumstances and companies these were reported from and also what accounts they were ever connected to. Instead of the removal and deletion of these accounts ( which I asked for ), Experian updated all three wrong names that I have no knowledge of, with my real name, putting my real information in. Merging my real information on these accounts that I dont even know about and had NO prior knowledge off. I called in, an they basically saying that its no way to tell whats what because all they see is the updated names. Refusing to go back and seeing what the issue is, but instead telling me to go on a blind mission to try and find whatever it is they messed up, and my main address was also deleted from my credit report, something I never asked to be done
Consumer complaint received 2022-02-04
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. (CA)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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/XXXX
Consumer complaint received 2021-11-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Service Finance Holdings, LLC (AZ)

Service Finance Company , LLC secretly charged my account various fees when a 3rd party inquired about the payoff balance. According to the contract I signed with Service Finance Company , LLC, there are no fees related to pre-payments / early payoff and in addition, I did not receive any fee disclosure from the company regarding any fees related to the early payoff and/or inquiry. 

If Service Finance Company , LLC charges fees for 3rd party requests they should charge the 3rd party or must reach out to loan holder to actually confirm and communicate any additional charges ( hence " Fee disclosure '' ).
Consumer complaint received 2021-11-24
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX APARTMENTS OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

SinceXX/XX/XXXX I have tried to have a security freeze removed from my TransUnion credit profile. I initially called them onXX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX 

Transunion is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force Transunion to comply and correct my report.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank credit card issue a check in the amount Of {$3800.00}. It was a refund on overpayment. 
on XX/XX/XXXX XXXX XXXX  called to verify if we had endoresed check to another person. He had stolen check from mail box. I told them no and XXXX  XXXX told me bank of america would need to pull funds back so we could get the money back XX/XX/21 i called bank of america told them what happened they said they would do it and that it would not be a problem. 
Since them i have called them numerous times been transferred to multiple departments and no one has been able to resolve issue. 

i have called so much i started to keep notes since XX/XX/21 i have called and this are times i actually started to keep notes because even when a manageXXXX was contacted no notes were written on my account. 
XXXX I have ID numbers for people that i have spoken but not getting an answer.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Last XX/XX/2022, PayPal decided to banned my account suddenly. I have pending amount that currently on hold that time which is I understand due to their seller and buyer protection. I comply all the information they are asking and never had any issue before, no chargebacks and dispute. I really don't know and I'm still confuse why they put a violation in my account without even giving me an option to clear it. I tried to email them but still no proper detailed explanation like which transaction had caused it. 

I attach below is the transaction history and screenshots of the violation they sent.
Consumer complaint received 2022-02-04
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. (NC)

I have recently started reviewing my credit reports and i have noticed incorrect items that are showing up. The innacurate information is killing my financial profile and stopping me from fulfilling my financial obligations. I am in the process of thrying to buy a home and i was told that my credit report has negative account on it that i need to resolve before i will be approved ofr a mortgage. 

There is an account listed on my credit report that does not belong to me. Also the accounts dates last active date shows XX/XX/2015. I was told by a financial attorney that i in the state of NC the statute of limitations for a written and oral contract is only 3 year. Even if this was my account by law it should not still be reportin on my credit report. 

I have reached out to this company multiple times including last month and i still have not recieved a response or an update. Please assist with this matter in a quick matter so that i can continue looking for a home for me and my family. 

thank you in advance
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

I was working for a Massachusetts XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, when i was provided a credit card issued by American Express by owners of XXXX to use for buying for XXXX. This XXXX defaulted some last bill. I was contacted instead of XXXX owners and forced to pay and settle as it was reflecting on my credit report. My repeated requests are not entertained or responded till date that I don't own this debt personally and this should be removed from my credit.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Capitol One Fraud/Scam dept, I am writing to report a telephone scam involving XXXX and the good name of XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX On XX/XX/2021, con artists called me pretending to be billing agents from XXXX XXXX XXXX. They tricked me in to making emergency " payments '' and some refund " transactions '' using XXXX in order to prevent the power from getting turned off. The caller ID on my phone was XXXX and it seemed legitimate. They had me make 5 separate transfers totaling {$2000.00} under the pretenses shown : {$180.00} " back due amount : {$390.00} " back due amount plus current due '' {$180.00} " refund of first payment '' {$580.00} " refund of first two payments '' {$700.00} " reset transactions '' The scammers wanted to go further, but I told them to hold while I used a second phone to call XXXX XXXX XXXX. I reached an agent who assured me that my account was in good standing and there was no need to for any action. I then told the scammers to jump in a lake, figuratively speaking. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, CA I filed a previous complaint with cfpb against XXXX seeking consideration for this event. ( NR XXXX ) XXXX declined to do anything but did contend that the funds were transferred to an account with Capitol One. Please review the attached response from XXXX. 

I have also attached screenshots of the transfer confirmations. The phone number that the scammers asked that I use for the receiving account was XXXX. This phone number was a XXXX phone but is no longer in service and was registered to a now deceased woman named XXXX XXXX XXXX XXXX XXXX KY. The XXXX XXXX police confirmed XXXX XXXX 's passing sometime last year. She had other addresses in an around Tennessee as well.
Consumer complaint received 2022-02-07
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. (DE)

On XX/XX/2022 i submitted a complaint with the CFPB against Equifax XXXX XXXX XXXX about fraudulent accounts reporting on my credit report due to identity theft i submitted identity theft affidavit thru the Federal Trade Commission and all supported documents to prove my identity and they sent me a later stating i need to provide the same documents to prove my identity in which they already have and was received on XX/XX/2022 thru the CFPB. This violates my consumer rights based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft no later than 4 business days after the date of receipt. Equifax failed to do so and is in violation under the law. The accounts listed in attached documents should not be furnished on my report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written INSTRUCTION of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. AS A CONSUMER I AM DEMANDING DELETION OF ACCOUNTS AND ALL NEGATIVE REPORTING ACCOUNTS/ INQUIRIES LISTED IMMEDIATELY!!!!! 
Written Truthfully Sincerely, XXXX XXXX
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (CA)

Experian reported an old closed account as a collection. When I submitted the dispute ; not only did they not look into the original issue, they made the collection a recent account and is now on my credit report for an additional 7 years. When I resubmitted the dispute they still did not take any action and when I called in several times to get a investigation report on how this decision was made, I was hung up on every time. I would like to process this complaint against experian to the fullest extent on the law. Also, beside Experian.. I also contacted the issuer of the loan. And they did not provide history of my loan, but just sent me a letter saying I needed to take it up with the credit reporting agency. Bottom line : this is an OLD debt. That was doubled on my credit report history after my dispute. This was paid years ago and it is now showing as a recent collection which is causing me a lot of problems. Every other agency has report this accurately but Experian refuses to resolve this matter.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (MI)

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACCEPTANCE NOW XXXX Balance - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a new Bank of America credit card customer. I set up Auto-Pay immediately when I receive my new account information. The settings were to pay my entire statement amount on the due date. Unfortunately, this feature offered by BoFA fails to do what it advertises. Using Auto-Pay for my first two statement cycles has racked up over {$100.00} in non-refundable interest, along with overcharging my checking account by {$4000.00}. Reporting these bank errors to the company has not made any difference in their Auto-Pay product, nor a monetary refund for their mistakes. 

Bank of America 's Auto-Pay feature made the following errors : 1. After setting up Auto-Pay to pay for the full statement balance on the due date, it does not immediately go into effect, unlike all other credit cards, utility companies, and other billing services I have used. The website did not inform me of this delay, and only a customer service agent told me. Therefore, my first statement payment was late as I had to manually pay the statement. I was charged interest and a late fee, though I had already set up Auto-Pay. 
2. Auto-Pay then deducted the 1st + 2nd statement balances from my account, leaving me with a negative - {$4000.00} balance. 
3. The Auto-Pay payment that went through did not clear on the due date of the 2nd statement. I was again charged interest for being late, even though Auto-Pay had OVERdeducted from my checking account. 

Bank of America has refunded my late fee but has refused to refund my interest fees. Bank of America has over deducted from my checking account by - {$4000.00}, a salt in the wound as I'm losing interest on this overcharge. 

In conclusion, Bank of America is advertising a convenient fool-proof solution ( Auto-Pay ) that does not pay the correct amount on time and charges the customer interest for its product failings. Auto-Pay 's failings need to be correctly advertised, and Bank of America is using this feature to falsely charge their most responsible customers, the customers who even sign up for Auto-Pay, fees and interest for simply trusting its products.
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment
Consumer complaint received 2021-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (AR)

on XX/XX/XXXX purchased a XXXX honda civic the first thing i told the sales lady i had to have these things in order to buy from them XXXX trade in my fianc XXXX XXXX platinum for pay off on it. XXXX no money down. XXXX sales taxes and tag fees paid.4th payments as close to XXXX they agreed to do all was also told sales price was XXXX $ and was told that they would drop it a XXXX to make it XXXX $ not XXXX $ I also had a loan approval from XXXX  XXXX the car lot sent them a different amount than what it was approved for already so therefore they denied me the loan i didnt have the contract went over with us to fully understand all of it didnt get a contract after purchase of the vehicle there was no as is warranty sticker in window i didnt even get the contract until my fianc went to see if theyd try and fix they lied said theyd do what could and contact her never did I was the initial buyer but they made her the i buyer cause her credit was little higher thats when we told them multiple times that she didnt work since XX/XX/XXXX has been off due to injury they asked her what she made when was working full time then XXXX days later when she went to get them to do what they told they would is when got contract it had the as is warranty on printed paper and it had her information at her old job making XXXX $ a month and she dont work had nothing on me or my job or income the sal lady also contacted the water department and asked them to put my name on it as well as the electric company without permission i feel like i was set up for failure because im the only one with income i feel tike i was took advantage of and misslead into the deal
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (TN)

The credit reporting agencies such as ( XXXX XXXX, XXXX, experian, XXXX XXXX, XXXX XXXX, etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.