davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NY)

On XX/XX/19 I received a call from XXXX XXXX NMLS # XXXX from Quicken Loans. Every few months I get soliciting phone calls from them as I am an existing customer. He said he was going to do some research on my property and get back to me. Five minutes later I got an alert that someone pulled my credit report. I called him back because we never spoke about running my credit. He called back and sai he listened to the phone conversation and that I gave permission. Knowing he was lying I called The executive offices and spoke to XXXX XXXX. After Mr.XXXX looked into it he called me back and said I never gave permission or even spoke about my credit. Mean time my credit score dropped. I was in the process of buying a new csr. My intrest rate went up due to the decrease in credit score. I then just went to put my motorcycle on the road for the season and found out my insurance went up {$230.00} due to my credit score decreases. I After not getting anywhere with XXXX XXXX I called his boss XXXX XXXX and got nowhere with him I called his boss XXXX XXXX. She thinks just by trying to remove the Hard inquiry it will make things better. She also told me she is the highest in the company I can go. I know that's a lie. These three people are professionals in hide problem from the top executives. This has put me in a finacial bind and anything in the future will cost me more money due to my credit score. Please see attached letter from XXXX XXXX admitting that XXXX XXXX had no authorization to do a hard inquiry on my credit report!
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/22 at XXXX I try to deposit XXXX dollars in cash all hundreds bills at the atm with the address XXXX XXXX XXXX XXXX XXXX ca I called right away to customer services to chase bank to make a complaint they did the investigation and they declined because they said no transaction was made they asked me for the receipt so I fax it to them they did another investigation and they declined it again I ask I they can check the camera footage and they told me they cant
Consumer complaint received 2024-02-29
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FIN Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries 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 records of convictions of crimes which antedates the report by more than XXXX 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.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22 XXXX online transfers totaling {$5900.00} was made from my XXXX bank of America XXXX  card without my authorization, I notified Bank of America right away they supposedly opened an investigation that concluded that no posting error had occurred in my account therefore they denied my claim. Bank of America refused to provide me with any information about the person or account that the money was transferred to, other than the last four digits of the account number, which does not belong to me,
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (TX)

FCRA violations : not my accounts convergent outsourcing potentially negative date opened XX/XX/XXXX balance {$1800.00} status collection account. {$1.00} XXXX XXXX potentially negative date opened XX/XX/XXXX balance XXXX paid, closed. FCRA violations : not my inquires XXXX XXXX inquired on XX/XX/XXXX on record until XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX on record until XX/XX/XXXX XXXX inquired on XX/XX/XXXX on record until XX/XX/XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX resident type apartment complex
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XXXX, XXXX, XXXX and XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via XXXX I requested verification and substantiation from XXXX each month and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. I asked TransUnion to verify how they validated this debt and they could not tell me .Transunion and XXXXXXXX have both broken the law and need to have this alleged account deleted from my credit report.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/XXXX, I went to : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I was not allowed to see any of the cars except the car that was sold to me, a XXXX XXXX XXXX. I had requested buying a car that the payment would be under $ XXXXmonthly because I am on a fixed income. I was told that I could afford that car which was $ XXXXmonthly and that was the car they sold to me. The finance person, XXXX XXXX, became angry when I asked how much the finance charge would be. and the payments. He didn't want to be interrupted while having me sign the paperwork. Two days later I tried to return the car because of the high monthly payment, the high interest rate, and the car started having mechanical problems the 2nd day I had the car. The manager, XXXX XXXX ( XXXX ) told me I could not return the car 2 days after buying it, because it was a binding contract. I had gone to an outside XXXX  certified mechanic shop on day 3 when the steering wheel started shaking and vibrating on day 2 of ownership. I paid {$60.00} for a diagnostic test and XXXX  XXXX gave me an immediate list of things needing repairs and totaling {$3100.00}. XXXX XXXX said I bought the car as is and said " She wasn't going to step on the toes of her mechanics '' who gave their clean bill of record on the mechanics of the car. I found out later that they have a 30 day policy to fix needed repairs during the 1st 30 days of ownership. They hid this information from me. The only thing on the list that they repaired was grinding down or resurfacing the brake rotors. 
I just found out last week in XXXX, XXXX, one year later, that the first 2 years of payments go 100 % to interest, nothing to principal. So, I paid them approximately {$6000.00} in interest this past year on a finance of $ XXXX.If I pay them another year, I will have paid them {$12000.00} in interest on a XXXX finance. That's almost 100 % profit for them in 2 years, not to mention, the existing remaining 42 payments.I found this out when I went back to hopefully sell the car back to them last week. When I went in to discuss them buying back the car, they devalued the car from over {$15000.00} a year ago, to {$7500.00} this year, XX/XX/XXXX. I told them the XXXX value was either over valued last year when I bought the car, or the current XXXX value was way under value. The subject was changed and I left without selling the car back.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (AL)

This account has been placed on my credit report and I have no knowledge of it Ive reached out to the agency for validation and they have yet to validate this account with my wet signature Im asking for it to be removed from my credit report being that it is showing negative account thats closed on my credit report
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I got emails stating I had a New Account that has been opened and also, got another email stating an account in my name shows a different address. So I went and did a credit report and it shows a new address that is not mine and a new account opened which is not mine.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX still wrongfully reporting my account as past due.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

I have a membership with Experian and attempted to dispute an issue on my credit report. I wrongfully had a debt that was lied about put on my credit report by XXXX while XXXX overseas serving with the US XXXX ( XXXX to XX/XX/XXXX ). Upon my return I tried to resolve the issue and was told if I paid the debt to XXXX they would remove it from my credit report, so I did in XX/XX/XXXX ( the amount was roughly {$70.00} ). I have recently discovered that the mark is still on my credit report ( XX/XX/XXXX ). For the past month I have tried to solve the issue with Experian due to having a membership with them. After about two weeks of trying to get ahold of someone to talk to I was able to file a dispute which did not allow me to upload documentation. I was then informed today that my dispute was rejected partly due to lacking supporting documentation ( XX/XX/XXXX ). I tried to dispute the result but after an hour on hold I was told that I must file an entirely new dispute. I am still serving in the US XXXX XXXX and am currently located in XXXX. Attached is a copy of my XXXX orders from my XXXX XXXX.
Consumer complaint received 2018-04-22
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. (AZ)

XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
Consumer complaint received 2018-04-22
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 (LA)

My issue is with Bank of America 's non transparent statement practices. I have paid my balances on the due dates set forth on each statement however continue to accrue interest charges after subsequent statements being PIF. As you see below in my summary I only had a {$10.00} carryover which accrued interest and was subsequently PIF on the next statement, according to the total balance to be PIF. Having had credit cards for 15 years now and having always handled my statements timely this is a gross abuse of non-transparent practices. 

1st Statement XX/XX/XXXX- XX/XX/XXXX, {$95.00} Balance to be PIF by XX/XX/XXXX. {$95.00} PIF on XX/XX/XXXX.

2nd Statement JXX/XX/XXXX-XX/XX/XXXX, {$8600.00} Balance to be PIF by XX/XX/XXXX. {$8000.00} paid on XX/XX/XXXX. {$620.00} credit on XX/XX/XXXX from rewards. Total credit to account by Due date of XX/XX/XXXX which was {$10.00} short. This was my error and own this {$10.00} carry over.

3rd Statement XX/XX/XXXX - XX/XX/XXXX, {$1400.00} Balance to be PIF byXX/XX/XXXX. {$1400.00} PIF on XX/XX/XXXX. I was charged additional interest of {$13.00} which I understood to be from my previous {$10.00} balance carryover.

4th Statement XX/XX/XXXX - XX/XX/XXXX, {$1600.00} Balance to be PIF by XX/XX/XXXX. Pending payment of {$1600.00} to post XX/XX/XXXX. An additional interest charge of {$37.00} is now showing on account.
Consumer complaint received 2018-04-22
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: Onity Group Inc. (TX)

IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
Consumer complaint received 2022-06-13
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. (IL)

I have disputed inaccurate and fraudulent address on my credit report with XXXX, XXXX, and Experian credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Consumer complaint received 2022-06-13
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. (IL)

I have disputed inaccurate and fraudulent address on my credit report with XXXX, Transunion, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is my EBank and I use a debit card. On XX/XX/XXXX I purchased cigarettes at XXXX XXXX  for {$8.00}, but it took 2 days to process and did not come off my balance immediately like ALL OTHER transactions do! I believe they are up to something since I just started having my XXXX XXXX bill taken out of my account every month on XX/XX/XXXX. This is why I have avoided Auto Pay in the past! I did not get the screenshot that shows the balance, but do have the processing shot! I am XXXX and live on XXXX. Please keep an eye out for other complaints. 

Thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-22
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. (CO)

Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NJ)

Have had credit card account with Discover Card since XXXX, never a late payment, always paying much more than the minimum due. Card initially opened as a secured card and with my responsible behavior, security deposit returned and credit limit increased to {$1200.00}. Since, opening the account in XXXX, my negative credit has remained the same, and I have had only positive trade lines since XXXX. On or about, XX/XX/XXXX, the automated review at Discover Card reduced my credit limit to {$500.00} based on the same negative information from when the account was opened in XXXX. 

With all of my positive trade line information, and the addition of two accounts at XXXX XXXX, my Discover Card credit limit should have only increased and not decreased.