davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX  has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote. 

Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party. 

Phone call was on XXXX18
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identify Theft ERC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

XXXX. ) Identify Theft XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with The name XXXX XXXX. and my social security number seems to be incorrect as well. On XX/XX/2019 i contacted Equifax and spoke to a representative to have name and ssn updated. I was told to send a fax with such request. i sent the request to fax number given ( XXXX ), i also sent correspondence via mail to equifax that included my ID and social security card. i received a letter on XX/XX/19 stating my ssn is currently reporting correctly on my equifax credit file. this letter was sent to XXXX XXXX. Name and ssn was not actually updated.
Consumer complaint received 2022-07-20
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (KY)

I was sold a loan I could not afford. After paying nearly {$13000.00} as a down payment on the vehicle westlake refused to work with me when my household budget collapsed due to my wife having our child prematurely. I even consulted and considered filing bankruptcy with an attorney to help with my situation. But I was told by westlake financial the vehicle was already up for repossession and there was nothing I could do. After receiving this information we sold the vehicle to XXXX not 6 months after we purchased it and only got {$110.00} in positive equity back despite putting {$13000.00} down on the car in cash in XXXX of XX/XX/2018. And now westlake is continually delaying the overpayment check being issued because I mentioned I was consulting with an attorney. I also verbally revoked my consent to be contacted on my cell phone by westlake numerous times, but was still called by collections.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I submitted a previous complaint, ID XXXX. It was closed when the company, Barclays credit card submitted a letter to CFPB dated XX/XX/2021 stating that checks were in the amount of {$1000.00}. XXXX and {$0.00} were released to me and it would take XXXX XXXX XXXX business day to arrive. 
Today is the XXXX of XXXX and no check has been received by me. 
Also one check payable to Barclays Bk Delaware fraud Dep at my home address, dated XXXX XXXX, 2021 was mailed and received by me ( see attachment ), in the amount of {$1000.00}. This does not make any sense that the check was not payable to me and the inside address on the letter showed Barclays Bk at my address, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, AZ. The funds were owed to me by XXXX XXXX to my credit card ending XXXX as a result of a flight cancellation. However, I had cancelled that credit card about XXXX year prior to cancelling my XXXX XXXXSee my previous complaint. 
It seems to me that Barclays is commiting the fraud. No interest has been calculated from the time XXXX deposited the monies. I am sure the bank is accruing interest. If I don't recieve the funds in 10 days I will contact my Senator and my House representative. You should not have closed my previous complaint until receiving communication by me that the corrected check was received and deposited by me. XXXX XXXX
Consumer complaint received 2018-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We received a notice at our rental property in XXXX, North Carolina that we were late on our loan and needed to call immediately to address the situation. The notice stated that they were the Mortgage company Mr. Cooper ( or NStar ). I called the number and they have set up a false answering service that mimics the actual Mr. Cooper phone service exactly. Our loan is through a different company, so that is what tipped us off that this was a scam. The phone number they left us is XXXX. The fake loan number they gave to me when I called is # XXXX. I contacted the actual Mr. Cooper and they verified that it was a fake loan number and that the number was not their customer service number. The scammers have clearly put some time into this fraud and Im hoping someone can investigate and stop them from hurting anyone else.
Consumer complaint received 2024-11-08
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. (PA)

I disagree 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 XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

IhavespokenwithNavientcustomerservicetoaskaboutautomaticpaymentsthatarescheduledtocomeoutofmyaccount.ThereptoldmetheydidntseeanyextrapaymentssoIsetupautopay.NowIhavedoublepaymentscomingfrommyaccounteachmonth.IjustcalledFridayXX/XX/XXXXandthereptriedtotransfermetothedepartmentthatsetupthepaymentandthecalldropped.ShedidntmentionanythingaboutapaymentbeingscheduledforXXXXbutnowafullpaymentjustcameoutofmyaccount.IcantaffordtopayNavientdoublepaymentseachmonth.Ialsoaskedherifthedoublepaymentshadbeenappliedtothebalanceandshecouldnttellme.WhereismymoneygoingandIwantthatXX/XX/2019paymentreversedASAP.IwanttheupcomingpaymentscancelledforonlineandtheonesthatweresetupbytherepresentativeandIwantsomeonetoexplainwheretheextrapaymentsImadewereapplied.Whatismybalance,whenwillthisloanbepaidoff?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  F - XXXX - XX/XX/2020 - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX - 1XX/XX/2020 - {$23000.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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. (VA)

XXXX XXXX XXXX reported my debt as a charge-off but has not issued a 1099-C form, as required by the IRS under Section 6050P for canceled debts. Without this form, its unclear if the debt is truly forgiven, which affects my tax reporting and may indicate inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information to credit bureaus, and XXXX actions violate these requirements.
Consumer complaint received 2024-11-08
Product: Credit reporting 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. (CA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-11-08
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. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 2024-11-08
Product: Credit reporting 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 have had the following credit hits to my credit report that I did not authorize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Since 2015, i have been using " XXXX  XXXX '' store card to purchase goods at XXXX. I was never mentioned about a " credit security fee '' or that fee wasn't shown clearly to me. This " credit security fee '' allows me file for debt relief if i am hit with major life altering financial situation ( kind of like insurance ). I was never told about this fee upfront clearly. I managed to get access to their banking statement ( the bank never sends me statements not by email/physical ) online today and i have been charged this fee since 2015. 

If i would have know about this fee, i would have cancelled it on day one. This practice by XXXX and synchrony bank is predatory. ( automatically signing up customers into these products without proper consent )