davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
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. (FL)

I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that XXXX XXXX had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX erased the information in XX/XX/XXXX but I entered a dispute with Experian in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-03-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 2022-07-27
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: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2018-11-26
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. (GA)

I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2023-03-27
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. (TX)

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. 
XXXX : XXXX has violated my rights. 

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-03-27
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OK)

On or about XX/XX/2024 Spring Oaks Capital, who I NEVER did any business with, demanded money over a FAKE loan from XXXX XXXX. In point of fact I filed and FBI report showing XXXX as a FAKE account. Spring Oaks Capital says that is NOT good enough. They are crooks, loan sharks, whatever term you want. They are ruthless in trying to collect a debt that is NOT mine.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (WI)

I contacted the company to cancel my trip and was told I needed to contact the merchant XXXX XXXX to make that cancel request and that merchant would notify them ( Affirm ). I followed affirm advised and made contact with XXXX XXXX to cancel my trip, they cancelled my trip ( confirmation code XXXX ) on XXXX/XXXX/2924 at XXXX XXXX. At that point I thought everything was final due to what Affirm advised me to do, but then they withdrew two additional payments out of my banking account. I made contact with Affrim at that time to see what was going on and they refused to cancel my loan when I provided them the cancellation information and proceeded to harrass me with threatening phone calls and emails. Affirm then lied reporting false information to the credit bureau in error causing me to drop my credit score by XXXX points. I want them investigated for reporting false information and have them reverse what was reported.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I purchased a freezer from sears on XX/XX/XXXX for XXXX with a 0 % interest payments for 3 years. 
I setup the account and set it up to use the make the minimum payment to pay off the account. 

Every month i was sent an email with the amount paid and left. 
amount bill date payment due date {$690.00} XX/XX/XXXX first bill {$6.00} XX/XX/XXXX {$600.00} XX/XX/XXXX 1 year bill {$6.00} XX/XX/XXXX {$530.00} XX/XX/XXXX 2 year bill {$5.00} XX/XX/XXXX {$480.00} XX/XX/XXXX last normal bill {$4.00} XX/XX/XXXX on the last month of the 3 year term instead of the minimum payment required being the lump sum left on the account, it charged me an additional {$710.00} in interest. 

None of the automated statement emails contained any mention that the remaining lump sum was not going to be auto paid as I expected with a balloon loan. Nor did the email contain any mention of an accrued {$710.00} in interest. Nor did they mention the end of the promotional term. Nor did they mention that an additional interest charge had been applied. 

After several years of watching the auto payments I got complacent and stupidly trusted that their software would just handle making the necessary payments to payoff this purchase. 

All of my credit cards are set to auto pay of the entire balance every month.

This sears  ( citibank ) card is the only one that was setup to pay off the minimum amount. 
I only did it to take advantage of the 0 % interest for the purchase. 

After I spoke with several people at citibank, I was told there was nothing they could do about it. They would have helped me if it was within a month of the scam ( my words ) deploying on me. but not a year later. 

Its now XX/XX/XXXX and I am doing my annual review of the statements and I just realized what happened. 

I owe {$1000.00} on this card Since stepping willingly into this trap I have paid {$210.00} in first 3 years. 
{$400.00} in last year And I just paid had to pay {$1000.00} additionally to extricate myself from this outrageous scam. 

so in order to benefit from a 0 % interest payment plan I paid a total of {$1600.00} for a {$690.00} freezer from sears. 

In summary : These 0 % plans are an intentional trap laid to snare the unwary to garner huge interest payments. 
their auto pay feature online is deceptive. 
It does not make clear that the minimum payment will not charge the remaining balance at the end of the term ( balloon payment ) It does not auto calculate the amount necessary to pay off the balance in the time window necessary to avoid the outrageous " accrued interest '' The email statements do not include any mention of the terms of the 0 % interest plan : No time remaining on the 0 % window No mention of accrued interest No mention of last month Nothing. Same as every other statement. 
You have to login to their app to see that. 
Unfortunately, I can't even see that now because they don't even allow me to see it after a year.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

XXXX keeps selling this 11 year debt to a collection agency that keeps reporting to all 3 credit reports as a recent debt and refuse to provide proof of debt and validation of debt, ie. contract, identification used to open account, date opened or last date paid given that they are reporting this debt and it is 11 years old. I want it removed. XXXX XXXX in amount of XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX MN.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NV)

The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?
Consumer complaint received 2022-07-27
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 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 are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-27
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. (CA)

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Transunion. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 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 are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MI)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-07-27
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. (SC)

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, XXXX and Transunion
Consumer complaint received 2018-10-02
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. (TX)

I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Vitek Real Estate Industries Group, Inc. (CA)

What the agent would state on phone would be different of what he would put in text and email. Eventually had another agent working on file and then refused to put simple things in email. When I was not available by phone and wanted everything in writing. Wanted quote from other lending company had this agent send copy of file and they then took upon their-self to close application. Which XXXX  us up as we were in escrow! then I found out they omitted items that had to be counted, so they gave an approval that was not going to work and we would have lost house anyways. I lost money for inspections and other things told them they need to reimburse for not securing my approval. ( first agent talked to my of it going through underwriting when i found out it never did ) Not only did we lose money we lost house and has had the worst experience that has made it question if we ever want to buy now. Refused to fix the issue and tried to make it look as if i wanted them to close file. I have 61 pages ( that's not all correspondence ) showing the hassle and headache and the problems I pointed out from beginning. I got 5 different closing cost amounts all in one day from two different people. I was not informed of the inspections or other cost until my agent told me. I asked them about the class that is needed and still never received an answer but my agent confirmed I needed it. So many problems with the way they do business. I can keep going. I started talking to agent XX/XX/2018 and decided after all conversation we were ready and proceeded XX/XX/2018 but then everything he said changed. They options that they gave to " correct it '' was not an option and would cost us more. Plus it wouldn't be able to close and they did not follow guidelines and they put wrong information on the disclosures. I received two loan packets and both had different loan amounts and interest rates but both have same date.