davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (TX)

I am writing to express my extreme disappointment with the lack of response from TransUnion, XXXX, and XXXX regarding the disputes I sent regarding inaccuracies on my credit report. Despite my diligent efforts in listing the accounts and clearly outlining the violations to my consumer report, it has been over 30 days and I have received no response from any of the credit bureaus. 

It is imperative to note that under the Fair Credit Reporting Act, every detail on my credit report must be 100 % accurate. The accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) for their failure to report accurately. Furthermore, the violation of 605 ( c ) running if the period has also been noted, as the date of last activity on these accounts is reporting incorrectly. 

I am attaching copies of all letters sent for your reference. I expect immediate action to rectify these issues and ensure that my credit report reflects accurate information as mandated by law.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (MD)

Good morning. My complaint is with Experian. I tried sending them about 2-3 letters over the past 3-4 months informing them that they were reporting informing on my credit report that was both fraudulent and incorrect and each and every time they sent me a letter back stating that they couldn't find me. Over a month ago I sent in a picture of my social security card and now they haven't sent me anything back and it's been about 5-weeks since I sent in my last letter. I sent it back in XXXX and it's now XXXX. No response whatsoever.
Consumer complaint received 2016-06-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Trademark Management Solutions, LLC. (MN)

I went online last XXXX around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called XXXX. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the XXXX law states is legal. Than I find out this company based in XXXX per online but they list XXXX HOWEVER not legal in XXXX per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed in XXXX or XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown XXXX company from access. I have called XXXX who is now XXXX to obtain a way to mail what i borrow plus the fee that I found through research that in XXXX online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called Trademark Management out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " XXXX '' memo. I asked if I were to call XXXX XXXX XXXX would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square one. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm XXXX, I 'm XXXX, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. 
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Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX/XXXX/XX/XX/2015 - While attempting to correct date of birth error in my credit profile via TransUnion website, I received an error message that instructed me to call TransUnion customer service at XXXX XXXX XXXX XXXX. I then called customer service representative at XXXX XXXX PDT and was told I needed to call TransUnion dispute resolution center at ( XXXX ) XXXX during normal business hours. 

XXXX/XXXXXX/XX/2015 - I called TransUnion dispute resolution center at XXXX XXXX PDT and spoke to XXXX XXXX. Happily, XXXX XXXX was able to correct an error in my address history, but unfortunately XXXX XXXX refused to correct my date of birth.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or a 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 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2020-09-10
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. (NJ)

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX   Account Number # XXXX Balance {$1300.00} XXXX XXXX  XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX  Account # XXXX Balance {$380.00} XXXX/XXXX  XXXX Account Number # XXXX Balance {$350.00}
Consumer complaint received 2020-06-01
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. (MO)

XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a 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 2015-06-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (AZ)

I bought a massage chair from the XXXX XXXX XXXX in XX/XX/2019. I was approved for their financing with XXXX XXXX of {$4000.00}. I purchased the chair and it was to be delivered to my home within 10 days. When it was delivered it was damaged and they took it back. They had to order another from the warehouse. I then cancelled the order and told them I no longer wanted it. They still brought another one even after telling them I no longer wanted it. So when they brought the second chair I had them take it back. I do not have the item- it was returned and I would like it removed from my credit from all parties that have been involved. I believe the account has been sold several different times. I have reached out to all parties on many occasions with no results. 

Thank you
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

XXXX store manager breached my contract and canceled the account I had within their computer and then refused to correct the mistake saying their computer would not allow the account to be reinstated. I went into XXXX to get two new phones and add them to my account. For some reason, the store manager ( by accident ) created an entirely new account ( XXXX was told by XXXX upon calling ) and canceled the current contract. I don't know exactly what happened because I obviously was not given access to their computer. Bottom line is they canceled the contract within the computer, my phone numbers eventually canceled out and that was when I realized something was wrong. XXXX breached the contract. I repeatedly tried to get the account reinstated and everything put back in place and XXXX simply said their system would not allow it after three months elapsed. Now they have reported the account to collections and put it on my credit report. I paid my current XXXX bill throughout the process.
Consumer complaint received 2024-02-15
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. (OR)

Original complaint filed : XX/XX/year> Request that inaccurate data be removed ; 1. US Dept of Education # XXXX POB XXXX XXXX, WI XXXX Telephone : XXXX This account is incorrect. 

Creditor has no record of this account. It is not mine. 

Please provide evidence and the source of this inaccurate information so that I may pursue further complaints and/or remedies. 

FCRA : FCRA 616.Non Compliant. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-10-16
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: GOLDMAN SACHS BANK USA (NY)

I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months. 
I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TN)

For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Navient has never sent me information I constantly am giving them update information that they never update and they never send me any kind of proof that I paid anything and they also never send me the interest that I need for my tax refund every time I call them they are incredibly rude and obstructing obstructing and say that they 're gon na do one thing and they never do it. It has been incredibly frustrating. Constantly tell me i am behind, yetnever sebd a payment schedule nor proof of my payment. Automated number hags up on you.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (LA)

On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

I was shopping around for new insurance quotes and one of them send me a pdf document that says XXXX  on top. The person tells me well this is why you insurance is higher than it should be once those accidents erase then your premium insurance will go down I read the document and I had 3 accidents before that were not my fault they were the other people responsibility but on their report they have them as my fault I called the XXXX in Maryland and they told me that they dont provide the information to the insurance that they dont know where they get that information, that I should contact the Maryland insurance commissioner and try to get their help. 
I also called LexisNexis which is the company that provided my record to the insurance and they claim to be an agency that provides public records to insurance I said well you are providing the wrong information and that affects my credit, the agent says okey I would ask some information from you for security reasons which I understand but then she started asking me for my Social security, driver license and all of this info they are supposed to have already. At this point Im like wait I feel like Im providing more personal info that I want to share and anyways were did you get this information and she responds well from many sources like the public data, XXXX and many others.

The 3 accident on this report show as at fault and the 3 accident were at non fault which every time a insurance company give me a quote I get high prices
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate/unfair items on my report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. As per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), you HAD 30 days to complete your investigation. It has been well over 30 days and you've failed to verify these items. Under the FEDERAL LAW, unverifiable accounts must be DELETED. I demand these accounts to be REMOVED before legal action is taken.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MI)

I have had multiple loans through this company over the past 2 years or so. It is a buy now, pay later type of loan. I have used the same banking information over those 2 years to make payments on each of the loans that I have carried. I attempted to make payments on two of my current loans on XX/XX/XXXX. I was notified on XX/XX/XXXX that those payments had failed. There was no issue with the bank, as I called them to make sure it was not an issue on my end. I attempted the payments again on XX/XX/XXXX and again was notified that they failed. I contacted Affirm on XX/XX/XXXX to inquire about the issue. They kept telling me that payments were still processing as each time the payment failed I would attempt another one. They did not know why the payments were failing and told me to contact the bank. I told them numerous times that I had already done that and the problem was not on my end but rather on Affirms end. I called their customer service line and spoke to someone who stated they can open a ticket to see if it is something on their end. She did not state she HAD opened a ticket nor give me a ticket number, so whether or not this happened, I do not know. I have been sending them messages from XX/XX/XXXX through today XX/XX/XXXX and I am still getting nowhere with them. They keep telling me to check with my bank. Apparently they do not know how to read because I have stated several times that I had already checked with my bank and there is NO PROBLEM ON THEIR END. There is an issue with Affirm and I need them to figure out what it is so that I can pay on my loans that are now past due.