davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a XXXX party that a line of credit was taken out on our account. We would have to pay XXXX  and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXX vacations it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Conn's, Inc. (TX)

On XXXX XX/XX/year> I purchased a couch set for XXXX plus tax. I got discount for the floor model on the loveseat. I paid XXXX dollars for the delivery fee. I requested interest free store credit. I was told it was 24 months interest free and I got approved for XXXX credit. The salesperson asked what front I wanted for my signature to sign the credit documents. He said I would get a email with the document plus my receipt within XXXX hours. The salesperson said I would get my delivery the next day. Next day no receipt or loan documents plus no couch. I called several times regarding the receipt and loan documents but no answer. I finally got a call about the delivery from the warehouse. They discounted the mess up because it was not put in the system for delivery. I get a payment book in the mail for cost is now over XXXX dollars. 

I called and finally reached someone. I was told theyre going out of business and nobody is going to fix anything because theyre liquidation store. My concern is someone signed my loan documents which is illegal. Now Im being overcharged. I finally get another email about credit protection I signed up for which I didnt sign anything. 

Now my other concern they announced few days after I got my couch theyre going out of business and now both my couch and love seat was sold as is. Meaning if I have any issues with the store warranty. 

The company is XXXX XXXXXXXX XXXX XXXXXXXX Texas
Consumer complaint received 2024-05-17
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TX)

I purchased a car at XXXX. I made all my deposit payments XXXX debit. The final payment XXXX XXXX. The company reimbursed portion of XXXX payment, because they had the car in their service center over 1 months, then at another dealerships service center XXXX more weeks. After getting my car back they replied it for failing to make the final payment which was made on the date due and refunded XXXX days later. The XXXX finance company did not get the contract yet the placed it on my credit report increasing my debt and now I can not get a car loan to replace that car taken illegally. The issue is fraud against a veteran using federal funds. XXXX states the issues was pulled on the XXXX of XXXX but will not post to my account for XXXX  days. I now have to wait XXXX  days to run a clean report and no transportation til then.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Acct # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2023-03-14
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm looking forward that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Transunion Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to Cushman v Transunion 1997 , Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to contest and to dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC (AZ)

I opened a line of credit online with cash 1 in XX/XX/2023. The type of credit I applied for was a personal loan. I was approved for XXXX dollars and a XXXX dollar one time fee was added to that, so my loan amount should have been in total XXXX dollars. I live in Arizona where 10 % is the max apr. The total apr for this amount should be XXXX. I do not have a vehicle, and did not apply for a title loan. Apparently one of the online employees added a vehicle not belonging to me to the paperwork. I did everything online, and never was given any paperwork through the mail, email, or through the telephone app, nor can I find a copy of any of my paperwork. I have already paid XXXX dollars towards interest alone on this loan, three times what it should be for the entire year. I can prove I never owned a XXXX XXXX XXXX which is the vehicle they are claiming I put on my paperwork. They are intentionally and illegally frauding me. They refuse to fix this situation. I really need help. I'm a XXXX XXXX XXXX woman, so these fraudulent charges are coming out of my social security check every month. I have paid in total so far XXXX dollars of a XXXX dollar loan. With the interest added on, I should only owe XXXX, but they are saying I owe XXXX dollars. That's more than I even borrowed. I had no way of knowing they would do this, and the company shows XXXX  interest in correcting any of it. Please help me.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

1. I used Paypal Pay in 4 to purchase 2 items on XXXX ( XXXX XXXX ) on one order totaling {$460.00} 2. Items in the order was fulfilled by different sellers Item 1 Delivered as expected ( {$41.00} ) Item 2 Wasnt sent to my address ( XXXX - XXXX - {$420.00} ). More detail on this below 3. Filed a dispute with Paypal, escalated it 4 total times, provided a clearer explanation that the seller is being deceitful and that they should ask for and check proof, and apply common sense. Paypal denied the claim. 4. I escalated again, Paypal agent on the phone called XXXX, confirmed with them that the package is not addressed to me, agreed that this is an obvious scam and he has seen it happen before. 5. Paypal backoffice team closed the case in XXXX 's favor citing that the package was delivered, without checking WHERE it was delivered! 6. I Re-escalated the case with paypal, agent on the phone once again agreed that this is a very obvious scam. 

1. Paypal closed my case YET AGAIN on XX/XX/year>, citing that the item was delivered to me. It was NOT. I submitted a XXXX document showing delivery to ANOTHER ADDRESS. On XX/XX/year>, Paypal acknowledged and agreed with the additional evidence provided by me showing that the package in question was not sent to my correct address and is actually from another shipper to another customer, completely unrelated to me. 2. XXXX from Paypal called me about this, agreed that I've provided all the proof necessary, and explained that they do not require sellers to submit proof of delivery with the address below an amount of {$1000.00}. 3. Paypal mentioned they " have reached out to the Merchant for further evidence to show that they package in question was shipped to your correct address. ", The merchant has responded on XX/XX/year> with the same, incomplete tracking information they provided previously, without any evidence of the package being shipped to my correct address. the CRUX here is that 4. The evidence required by Paypal from its sellers showing delivery to the correct area without the exact address, is insufficient, incomplete and puts honest customers at a disadvantage while protecting deceitful sellers. 5. These actions show that Paypal is working with sellers to cheat customers for amounts less than {$1000.00} using fake tracking numbers. 

on top of that Paypal said " Upon review, the seller has provided compelling evidence to show that they provided the correct address to FedEx when the package was shipped. '' What evidence and why isn't it shared with me when all the other evidence was?? 

I am the one with compelling evidence, not the seller. I provided you the document you asked for, not the seller.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cawthorn, Deskevich & Gavin, P.c. (VA)

I contacted the company on XX/XX/19 to get more information on an account that I have being making payments on. I received a court order on my door and was a bit confused in reading it as I have never had this happened before, didnt understand some of the word usage and thought my payment plan would avoid situations like these. I called the company and spoke to a XXXX or XXXX. She was very abrasive and condescending. I voiced to her that I didnt understand and was confused and she kept repeating well if you read the paper .... For one I am very well educated and I did read the paper, I just did not understand it. This company should have someone who is empathetic and talk to people in a manner-able way as you never know what hardships people are experiencing or what they are going through. These bills are the result of me experiencing a XXXX XXXX XXXX which further resulted in me XXXX XXXX XXXX XXXX XXXX after she was XXXX. I try to do the right thing only to be talked in a way that makes me feel as if Im another number in the system. Please do better.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (VT)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (MS)

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 : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.