davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. I did not authorize these inquiries XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX MTR Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act My federal protected consumer rights has been violated under section code 15 usc 1681 I would like all inquiries checked and removed from my account
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-03-07
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-06
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. (TX)

XXXX XXXX is been reporting on my credit since XX/XX/XXXX. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please make action on this matter ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lima One Capital, LLC (VA)

On XX/XX/2019 I closed on a hard money loan with Lima One Capital for around $ XXXX. I was told they were charging me 10.5 % with 2.5 % in points. The closing date was the first time I saw the HUD statement. I believe the law states I should see it three days before closing. When I saw the document at closing, I could not determine what rates I was receiving and it would have been difficult to back out of the deal at this time. They ended up charging me 11.5 % interest and 3.5 % in points. This resulted in approximately {$3500.00} additional dollars I paid to them over about 10 months. I brought this issue to the attention to my sales rep and he denied there was an issue at first. Then I showed him the emails of the rates he promised me, and he admitted that a mistake was made. In fact, the underwriter did not include a $ XXXX wholesaler charge which made the loan appear to be less than $ XXXX and qualify for these higher rates. In fact, it was over $ XXXX and I should have been given the rates that were given to me over email. I have tried filing a XXXX complaint and talked to the company directly, and their attitude is very unhelfpul. It's a shame because I wouldn't mind doing business w/ them again, but it's difficult when they act this way.
Consumer complaint received 2023-02-15
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. (WI)

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm XXXX XXXX have this remove or Ill have to procced with legal actions.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Karma (MA)

A hacker stole my personal information, my email and changed My password in my Bank account, my Credit karma account, and my XXXX account and started applying for credit cards, loans. The hacker changed my XXXX  account from my Job and changed my email and Bank account to receive my paycheck. He stole my money from XXXX XXXX XXXXXXXX and it is still under investigation. 
The hacker as well sent me a threating letter saying he is going to destroy my life if dont deposit XXXX to his XXXX  account
Consumer complaint received 2023-02-15
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. (OH)

Ive had issues with logging into their app since I received my loan. I notified them of the issue and screenshots. I was unable to make payment because app would never fully load. I finally figured my only option was to delete and reinstall. Once I did that, I was able to log in and pay however, they still reported me past due. They were made aware of the issues and I sent them pictures of what the app was doing. They alleged they would look into the reporting. They came back and confirmed and error but refused to update my credit bureau report.
Consumer complaint received 2023-03-07
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. (CT)

I am a victim of identity theft. This is affecting my well-being.It is damaging my reputation and causing great grief to my mental health. This account is being reported on my Transunion consumer report without my consent and its inaccurate and misleading. I've never had a contract or rental agreement to purchase any product with this company. I never purchased or received any goods or services from this company. 
They are reporting false information on my consumer report. This is a violation according to under fcra sec 15 U.S.C1681s-2. Also under Section 605B it clearly states, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within XXXX business days. I was never contacted or never received any notification of this debt or information being reported on my consumer report. These consumer reporting agencies have a responsibility to make sure that the information that they are furnishing is 100 % TRUE AND ACCURATE. I believe they have failed to do so and this is also violates my rights according to 15 USC 1681i ( a ).

The account is only on my transunion report because the other consumer reporting agencies already removed this account because they found it to be inaccurate and invalid. I dont know what made Transunion follow different procedure. 

The account is XXXX Acct # XXXX They state that my high balance is {$5100.00} and they are reporting that i owe {$2800.00}. I challenge all information for this account and i would like to see all original documents including all payment history and all original signed contracts that shows that i agreed to rent a product for {$5100.00} and leaving a balance of {$2800.00}. Thank you for your help. I appreciate it very much!!
Consumer complaint received 2023-03-07
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. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Siggi LLC (TX)

I have a loan with Omni and got kicked out of the XXXX and they sent it to collections but still adding interest Im in a payment plan but they say if I dont pay the full amount witch is now more then I got the loan for its gon na keep getting interest I need help it is now affecting my credit I cant get a place to live its affected a lot
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I am Reaching out needing assistance because I have not received any help from Best Buys or the credit card company Citibank. I Opened the card for a laptop to study with a promotion of 12 months zero interest. I been making payments and none of my payments of 12 months has gone to the original purchase my promotions ends in two days. All the payments Ive ever made have been gone to other purchases. Im barely finding this out. Its been about a month that I have been trying to get help to fix this to have my payments that I have made go to the promotion so it doesnt affect my credit. I have called the bank. I have spoken with the store with multiple managers and Ive been hung up on by the bank I been told different things and getting route it to people from different countries that unfortunately I can not understand and will not help me. I have been trying to make a payment so the promotion will be paid off and all the other payments get applied to the original purchase but nobody will fix this for me. Theres no way to do it online or on the phone or in person at the store. I need assistance because this is going to affect my credit and cost me more money. Please contact me if you have any other questions and thank you for the help.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX cst went online to Transunion.co and tried to pull credit report but received error message stating " We're unable to complete your request online '' I then called a customer service agent and I was told that they would deactivate my account and I would need to register again online. I did exactly that and and I still am getting the same message. Called back and was on hold for 30 minutes and then the phone hung up on me. 
I reached out to their online chat and I still was unable to resolve my issue. 

XXXX XXXX XXXX cst called the number they list within my online acct and was put on hold and I finally spoke to another person that told me the same thing. They would deactivate my acct and for me to re register. I did it all over again and still receive the message " Unable to pull your credit report online. Their solution is to have it mailed to me but I want to be able to monitor and pull a report every 30 days. 
They have not been able to resolve my issue and I still cant access a copy of my credit report. Please help
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The XXXX  are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (AR)

The car was paid off XX/XX/XXXX. I cancel the extended Gap and Service contract. Per the dealership, they sent Flagship the checks on XX/XX/XXXX and they the dealership show the checks was cashed on XX/XX/XXXX. The check amount are XXXX and XXXX. 

Called flagship on XX/XX/XXXX spoke with XXXX he said he dont see a check. Ask me to have the dealership send a copy of the checks. On XX/XX/XXXX dealership sent in the information. 

Call on XX/XX/XXXX XXXX stated that they have not gotten any updated information. He will send a letter to be escalated call back tomorrow. 

Called on XX/XX/XXXX speaking to XXXX she dont have any updated information. Dont see any checks in the system will have a supervisor call me back with XXXX the next 24 hours
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I purchased damaged grille on XX/XX/20 from an XXXX seller XXXX. This item didnt meet my expectations so looked up the listing and saw that seller accepts the returns and they were advertised as free. I send the request to return the item and received return label in the email. I shipped it back and waited another 2 weeks for refund. 
Unfortunately I got scammed by this seller. This seller didnt refund me fully. He refunded me only {$70.00} out of {$100.00} ( 100 plus tax ; so-in the end I paid tax on this return, tax on my money seller didnt give me back ). 
I disputed this twice on paypal. First time the dispute was not done correctly and the outcome was rejection due to seller already refunding ( but he refunded partially instead of fully ). Second time I received response form paypal that case is closed due to insufficient documents and inability to get them. Paypal never asked me for more documents and documents I submitted, disregarded ( it was picture of XXXX website stating that seller has to refund fully ). I contacted XXXX and they told me that if I didnt open case on pypal I would get full refund from XXXX. Another thing that makes me wonder id why paypal never refunded to the original payment source but to balance. To protect themselves? 

If paypal has no clue /ability or willingness to properly investigate then they should not manage others people finances. Who controls what they do and whether it is fair and legal? 
Since I was not able to resolve this issue with both companies. I decided I will ask my bank for help and asked for charge back. Hopefully it will not cause my account limitation or the seizing funds from sales I make. Who can I ask for help? Why paypal favors certain seller and dislikes others making decisions in their favor? 

I left this seller negative feedback to warn others that stated seller refunded XXXX out of XXXX and XXXX took this feedback down to protect this scammer. Why?
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc. (AR)

On XX/XX/ I made what I was told by the representative on the phone at Upstart my final payment and that my payment would take 7 days to reflect on the account and that since it was made before XXXX XXXX  it would not be considered 30 days past due since my payments were due on the XXXX of each month. She told me congratulations once the payment was made because the computer told her that it was my final payment and I asked if I would get an email reflecting my final payment and that I no longer owed them anything and she said yes I should get something from them. It is now XX/XX/XXXX and they have been calling me nonstop and today they said that a technical difficulty occurred and that the payment did not go through. That technical difficulty is not my fault and my credit report should not reflect a missed payment or the over XXXX XXXX drop because of their error. I want this removed from my credit reports. All of my other bills got paid that day from the same account but that one had a " technical difficulty ''. They are saying it will take 45 days so add the 42 that they say I'm late already and that's 3 months that my credit report will look this way and continue to drop because of their " technical difficulty ''