davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my credit report and XXXX XXXX and XXXX XXXX Bank XXXX account # XXXX are reporting on my credit I do not recognize and I did not authorize this account/Inquiry
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 I paid in full a personal Bank of America credit card balance in the amount of {$2000.00} via an ACH transfer from my personal savings account. Shortly after I paid this account in full Bank of America refunded {$2000.00} to a separate account. This was apparently an error or a fraudulent refund to someone other than myself. I never requested a refund nor was the $ refunded to any account that I own or have any knowledge of. I promptly reported this to Bank of America and one of the first people I spoke to stated that the money was refunded to an account with a different account number which is against their normal policy. I have spoken to many people since, numerous hours on hold and no resolution. Bank of America representative XXXX XXXX then advised me that they had completed their investigation and determined that the money was refunded back to my account that I used to pay the amount originally ( this is not true and they have not supplied me with any proof of the routing of this refund ). I even faxed my bank statements to Ms XXXX to show that the money was never refunded to my account. I continued to make payments for several months while this was being investigated but eventually decided to discontinue the payments. Bank of America is now reporting my account as past due, impacting my credit score and causing other lenders to discontinue existing credit I have. My XXXX score was XXXX and now XXXX. Bank of America has had 8 months to resolve but they have not and are now negatively reporting my credit history and affecting my credit. In my opinion this is a UDAAP violation. PLEASE HELP!
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have attempted to contact the data pullers below to remove my inquiries as they do not have my informed consent to use or access my credit data. I did not give them permission to access my files. I have informed both the credit bureaus and the data requestors and have gotten no resolution These instances are on my Transunion report : 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 2022-03-06
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. (NC)

XXXX XXXX XXXX  is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Consumer complaint received 2022-03-06
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. (NC)

XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Consumer complaint received 2022-07-24
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. (FL)

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be.

This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest.

On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (CA)

In XX/XX/XXXX I received an alert on my credit report stating XXXX XXXX is trying to collect on a false debt opened in XX/XX/XXXX in my name I've never received any validation of the debt any proof or any correspondence with the company other than writing the XXXX and the company stating the debt is valid I have no proof or paperwork from them stating that I have no business with XXXX XXXX XXXX or XXXX XXXX this is fraudulent and illegal.
Consumer complaint received 2018-05-18
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to XXXX separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all XXXX companies on here but feel free to email or call.
Consumer complaint received 2022-03-06
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. (IN)

Transunion is currently reporting an inaccurate account on my credit report. This account is not reported by XXXX or XXXX. Transunion is negatively affected my credit with this inaccurately reported account, this is causing undue hardship for me. I have tried to resolve this issue with Transunion since XX/XX/2021 and nothing has been done.
Consumer complaint received 2018-05-18
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2018-12-18
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: CITIBANK, N.A. (IL)

I rented a car and paid with my credit card. Merchant lied to my face at the desk, saying a certain insurance was required by Nevada law and would not allow me to rent car without purchasing. After it became apparent that was a lie, merchant ( and Citi ) say I signed the paperwork so any prior fraud is not relevant. I disagree, as fraud is not a contractual remedy and the contact is in fact invalid if induced by fraud. Citi refuses to even engage on this premise and just keeps sending me the same stock letter with a scan of the rental agreement ignoring the entire premise of my dispute.

In one letter, Citi even endorses the bad behavior of the merchant and says " discerning the merchant 's integrity '' is my problem and not something they deal with. I disagree - one of the main premises of a credit card is that you are protected from fraud and improper behavior of the merchant. It is gross that Citi endorses this behavior to such an extent that they even refuse to get a response from the merchant that is applicable to the dispute.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCC Business Services, Inc. (FL)

Wednesday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX * I have more calls coming from this Debt Collector that keeps calling and harassing me on a regular basis. I had asked him to stop and he continues to call me and harass me with attitude about a debt collection I owe. He is now contacting my family without consent and just wont stop after I had asked to stop. His name is XXXX/ XXXX . When you call back it goes straight to him. This is a scam and I would like it to stop. The harassing is getting to be too much for me especially that Im pregnant and dont need the stress.
Consumer complaint received 2020-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I was looking for a used car loan and saw an add on my USAA Banking website that read, your loan offer from USAA bank is good for 45 days. The ad said the rate would be as low as 2.99 % APR when enrolled in automatic payments and purchased with car buying service for XXXX and older models. There was a 1 as a note. Under the note there were various comments but none limited the ad to any specific model year. I applied for the loan, causing a credit hit and the loan was approved for 6.95 %. When I called and asked why my rate was so high, I was told that the lower rates are only good for vehicles XXXX and newer. I explained that there ad said XXXX and older. The only reason I did not qualify for the lower rate was the year of the vehicle. I have very good credit and have gotten loans from USAA multiple times. No where in their advertisement did it mention that this ad was only for XXXX and newer vehicles or I would not have applied knowing I was planning to purchase a XXXX Vehicle. Again the ad specifically states XXXX and older. The rep I spoke with refused to honor their ad, so I escalated it and spoke with XXXX ( employee ID # XXXX ) who again refused to honor their ad stating that the ad says " as low as '' 2.99 %, but the reason they gave me for not qualifying for that rate was only due to the model year of the vehicle, which is indirect conflict with their ad saying XXXX and older. I have copies of the ad and the notes from their website.
Consumer complaint received 2020-06-05
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)

I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.
Consumer complaint received 2018-12-18
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. (GA)

I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I tried to open a checking account and it would not let me because of the security freeze. Please remove it so the check system will allow me to open up the account. I have provided a copy of my driver 's license and social security to verify my identity.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( 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 Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-06
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. (FL)

I have not supplied proof under the doctrine but of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2022-03-06
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. (OH)

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to EXPERIAN, XXXX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. EXPERIAN, XXXX AND XXXX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given XXXX, EXPERIAN OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow XXXX, Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If XXXX. XXXX and XXXX wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Consumer complaint received 2022-03-06
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. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

I opened a Chase business checking account on XX/XX/2022. I provided all information asked and Chase approved my application. I moved funds to run my entire business into this account. On XX/XX/XXXX I received a letter in the mail stating I needed to provide more info about my business to Chase and provided a number to call to do so. I immediately called the number the agent said sorry I cant help you and you will have to visit a branch. I said sorry the closest Chase branch to me is 3 hours round trip and that is unacceptable. He said he couldnt help me. On XX/XX/XXXX I escalated this request to the Chase Executive office for assistance. XXXX contacted me back and said they would investigate. On XX/XX/XXXX, my account was frozen and locked. I am unable to access all my funds and move them at all. This is disrupting my business and causing me to be late on payments. Chase is holding my money hostage and is refusing to unfreeze the account. XXXX called back on XX/XX/XXXX saying they could not help me. This is shameful and disgusting. I will not be bullied by Chase to drive 3 hours to fix this. Its not my fault they cant put a branch near me. I have an XXXX  and an XXXX that can clearly be used to verify my business on the phone or electronically. Chase has no right to freeze my money and give me no access to it. Chase has treated me like a criminal when I have a legitimate business that they are now impacting. Chase needs to unfreeze by account immediately and give me my money!!!
Consumer complaint received 2022-03-06
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: LEXISNEXIS (AL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.