davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (MN)

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-07-17
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
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. (TX)

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.

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XXXX I was approached by a bank officer XXXX XXXX in the XXXX FL branch offering me a 15 year mortgage Refi on my existing 30 year mortgage with XXXX XXXX XXXX XXXX. I was satisfied with the terms of that mortgage and not looking for any changes. 

XXXX XXXX arranged without my knowledge a refi of 4.1 % on my 30 Year mortgage ( taken out in XXXX - end date XXXX ) pitched to me in order to " save money ''. 
The signature on the refi document is not mine. 
When I called the bank to complain I was told he had been fired. 

Meanwhile this Refi dramatically increased my monthly fees, and is netting 5th 3rd an extra {$32000.00} over what I would have originally paid. This is usurious and shold be illegal. 

As you may be aware 5th 3rd bank has been found guilty of various criminal practices, paying out more than {$86.00} XXXX to compensate wronged customer victims. It is basically operating as a a criminal organization judging by the settlements against them. 

XXXX XXXX XXXX XXXX XXXX XXXX I did not seek out a refi. I was targeted for a sales pitch on the bank 's premises, so I trusted them. 
I didn't expect XXXX XXXX was out to swindle me which is exactly what has happened since XXXX. 
I'm now locked into a MUCH WORSE mortgage than originally sold to me which adds {$32000.00} to my original mortgage. 

My original mortgage from XXXX cost {$3700.00} total per year. 
With the 5th 3rd Refi I am now paying {$5800.00} annually, over the past 8 years, totaling {$17000.00} in extra payments. 
This is outrageous. 
I will pay an egregious extra {$32000.00} for this refi. 

On the original XXXX mortgage payment I paid $ XXXX month on a 30 yr note. 
In XXXX 5th 3rd bank Refi increased the payments to $ XXXX. Annual payments now total {$5800.00}. 

The XXXX Refi will end in XXXX - only 2 years after the original mortgage. There are zero savings from this Refi. 

As a senior on a fixed income I need this Refi to end immediately with an adjustment to my account, including interest. 

Loan Officer XXXX XXXX told me I was 'saving years ' off my mortgage ( only 2 years as it turns out ) with the Refi. the documents he provided me with aren't at all clear on the this point. 
I believed the bank as I don't know very much about calculating interest rates and mortgage Refis as I spent 45 years caring for people as a psychiatric nurse.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

I had send complain since last XXXX but I dont get any clarity. I get fraud due from Citibank fraud ( marketing through social media - XXXX  ). 
Citibank still insist ask me to pay for transaction done by the fraud.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I discovered the credit card company was charging me XXXX interest payments every month. I have never been charged XXXX interest payments before. I purchased a XXXX XXXX XXXX. The man who took my order kept asking me if I wanted to buy other items. I told him No. I told him I only wanted the carpet cleaner. When I received my bill he had added several other items. The charges he put on my bill caused the charges to go over my credit card limit. I have called the company to resolve this problem. I have chatted with them, faxed them a handwritten letter and mailed them a handwritten letter. The charges started in XXXX XXXX. The letters started in XX/XX/XXXX. They have consistently called me. In the letters I asked them to suspend and or close my account. I asked them not to continue adding the interest on my account. This was making it impossible for me to pay my monthly payment. They are asking me to pay XXXX plus as a monthly payment.This is Impossible. Please help me. They did delete some of the charges. Please look at my account. Thanks, for the help.It says they aren't suppose to ask for payments but they have asked for payments consistently.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year> Capital One without telling me unexpectedly raised my credit limit to XXXX when it was at XXXX I tried to tell them to lower it because I am struggling already to pay it back as best I can which I have been doing this account is also blamed on my ex-girlfriend who constantly flooded my head and to opening this account anyway for a personal reasons since we're no longer together due to her fault I am left alone and trying to take care of this I tried to contact Capital One and spoke to them to see if they can help me lower it so I can finally pay it back in fully and they said no I have to pay this whole thing again up to XXXX now instead of {$1000.00} and nobody told me or warned me they literally just sent me an email which I still have a copy of saying that they raised it to {$1300.00} and they also said " Youve done a great job managing your account, so we increased the credit line for your account ending in XXXX from {$1000.00} to {$1300.00}. Life is full of unexpected events. We hope knowing you have credit availableif neededgives you one less thing to worry about. '' And now I'm already struggling and stressing enough trying my best even if it's just making small payments monthly or as much as I can per month without the interest taking more making me have to pay more even so
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( XXXX XXXX XXXX XXXX XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (SC)

On my consumer report it states I opened a vehicle loan on XX/XX/year> on XXXX Then On XXXX the date is XX/XX/year> which is AUTOMATICALLY a RED FLAG. From the beginning I realized I was being illegally double charged when purchasing a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX. I asked if they participated in the Truth In Lending Act and they stated Yes which this Act protects my personal rights as an consumer when buying or leasing, which also states that if I as a consumer was to purchase the vehicle which was a 2021 Challenger that by it being on my credit I was never supposed to pay a down payment CASH in which I gave ( XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX ) XXXX dollars CASH. In which was a violation to me as a consumer and also a violation of Federal Law Code ( s ) 15 USC 41, 15 USC 1601, & 15 USC 1681 ( b ). 

Account Number : XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-23
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: Credit Karma (PA)

I'm reporting about credit karmas guaranteed {$50.00} if you don't get approved for a credit card they will give you {$50.00} it's a scam and a fraud I got that message in my email and on my credit karma report that they would give me {$50.00} if I didn't get approved for a credit card well I applied for the credit card with a {$39.00} annual fee they ran my credit and I did not get approved all the sudden I got redirected to a higher interest rate credit card with a bigger annual fee and how to make at the deposit into their checking account with this card they recommended so I did not get approved for the card that credit card recommended that I would I had a high approval rate they said so at the meantime I did not get the {$50.00} plus I got my credit score lowered credit cardment is a big scam in a fraud would saying that they will guarantee you {$50.00} if you don't get approved credit karma also gets paid by the credit card companies for having people apply for their credit cards which this is a big scam like XXXX I hope something gets done about this because credit karma is making a lot of money off of people doing this and they're not giving him not giving them their {$50.00} it's a big scam
Consumer complaint received 2024-07-17
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. (MD)

As per the guidance from the Consumer Financial Protection Bureau the documents needed and a letter fro an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX and XXXX. Please delete XXXX XXXX acct # XXXX bal. {$3400.00}. 

Thanks for your help
Consumer complaint received 2024-07-17
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
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)

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and XXXX days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: GFS II, LLC (PA)

I had a XXXX in XXXX I spoke to gateway financial solutions several times explaining that I had a XXXX and asking if they had any programs for like hardship they said no and were pretty rude about my whole situation. I explained that I applied for XXXX XXXX  XXXX and it was pending. Only after being XXXX behind they sent me to the repossession people. I am basically living in my car because I had my XXXX in XXXX lost my apartment and everything I owned in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm basically living in my car.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (MO)

XX/XX/scrub>XXXX I made a dispute in XXXX about a wrong credit report that I do not recognize called ability recovery service I have no idea what this is for and I do not have any documentation for it as I have never even heard of it. XXXX says they reached out to them and they said it's correct. I do not agree with this error of a report.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports